OK, let's face it. You pulled a copy of your credit report and there it is in black and white...you officially have poor credit. It doesn't really matter if it's your fault or not, because you get punished the same. Run into tough times for a month or so like so many of us do and you end up with negative marks on your credit report for up to seven years!

These derogatory marks on your credit can cause you to pay higher interest rates on your credit cards, auto loans, mortgage (if you can even get one now!) and higher costs for insurance for a long time. What's even worse is the information your creditors are reporting to the credit reporting agencies may not even be true. A 2004 PIRG report shows that 79% of ALL credit reports contain errors.

Would it surprise you to know that the credit reporting agencies are SELLING incorrect and nonvalidated information ABOUT YOU to the very people and companies who make important financial decisions that can drastically affect your life and livelihood. Don't be surprised because it's true!

Want to try to dispute the incorrect entries yourself. Go ahead. Anyone can dispute the incorrect information on their accounts. Think you will be successful? Maybe you will be one of the few lucky ones who really understands the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and all the other federal and state consumer protection laws that are in place to protect the unwary consumers from the games the creditors, collection agencies, and credit reporting agencies play! But probably not. 

The sad truth is that you CAN NEVER WIN a game

if you don't know the rules.

Another sad fact is that every year, unknowing consumers needlessly pay debt collectors tens if not hundreds of MILLIONS of dollars that they cannot legally collect due to threats of garnishment, judgments, liens and even humiliation. How much have you thrown away so far?

If you have poor credit, you owe it to yourself to click here before you lose another nights sleep.

Credit repair, credit restoration, credit score repair, credit repair help... call it what you want, but you need to be careful. If you are thinking about using a credit repair company, you need to be careful. There are many fly-by-night companies who are more than willing to help separate you and your hard earned money and provide no or little-to-no services. Get the facts here!