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Credit Repair Services ____________ About Credit Consumer Reporting Agencies (CRAs) Credit Repair - Do It Yourself? Credit Counseling Organizations
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Consumer Reporting Agencies (CRAs) |
Debt Consolidation
Debt Consolidation FAQs Learn all there is to know about debt, including 'good' debt and 'bad debt', how to manage debt and how to avoid facing a debt crisis. Learn how to assess your
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Many people remain unaware that the three major nationwide consumer credit reporting agencies, called Consumer Reporting Agencies (CRAs), are not government run agencies. Each Consumer Reporting Agency is a for-profit nation wide credit corporation that operates by gathering and selling private, personal credit information to clients. These clients include creditors, insurers, employers, landlords and the multitude of companies that solicit individuals for credit and insurance offers. The information they collect is also sold to clients operating telemarketing and mailing list companies. Fowler and Fowler Credit and Debt Solutions Inc. does not work for your creditors or any credit reporting agencies - they work for YOU! Click here to order credit repair services online now!!! Learn more about the services offered by Fowler and Fowler here. Consumer Reporting Agencies are governed by the Fair Credit Reporting Act. Over the years, many people, including Congress, have expressed great concern about these companies and the profound impact the information they provide can have on an individual's life. Recently, the three major CRAs agreed to pay a settlement of over 2 million dollars, negotiated by the Federal Trade Commission, for violations of the Fair Credit Reporting Act. The companies have acknowledged that mistakes sometimes occur on credit reports, yet many people have expressed concern that they do too little to address corrections. The fact is - it is up to every individual to ensure that the credit and personal information contained in their consumer credit report is accurate and up to date. It is up to the consumer to prove that information contained in these reports is inaccurate. Find out what the each credit bureau has to say about you! Click here for a FREE online credit evaluation - No cost, no obligation! Consumers can only assess the accuracy of credit reporting by requesting a copy of their credit report from each Credit Reporting Agency. The three primary CRAs can be contacted at the addresses below. Equifax
P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.
P.O. Box 949, Allen, TX 75013; (888) EXPERIAN (397-3742).
760 West Sproul Road, P.O. Box 390, Springfield, PA 19064-0390; (800) 916-8800. Consumer News! A 2004 amendment of the Fair Credit Reporting Act allows each US citizen to request free copies of their credit reports from each of the Consumer Reporting Agencies every 12 months. Read about the law and how to get your free credit reports. Click here for a FREE online credit evaluation.
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