View Your Free Annual Credit Report – Avoid Credit Repair Companies


Before reading this article, please note that credit repair companies are different that credit counseling.

If you’re in dire need of repairing your credit, you may be thinking about using a credit repair company. A myriad of these companies exist. In most cases, however, it is better to repair your credit by viewing your AnnualCreditReport Gov, thus avoiding the help of repair companies. AnnualCreditReport.Com

Below are some reasons that you should repair your own credit & avoid a credit repair company. AnnualCreditReport.Gov

free-annual-credit-reportAnnual Credit Report Gov

Many Employee Black Hat Tricks

Many credit repair companies perform black hat tricks to boost your credit in the near term. These tricks could range from shady to downright fraudulent. Below are two tricks that are often used.AnnualCreditReport.Com

Many companies will dispute everything on your creditreport. Because the credit bureaus cannot respond to all of the disputes within the 30 day period required by law, they must remove the unverified information from your report.AnnualCreditReport.Gov

In the near term, this appears to be a good solution. Unfortunately, much of the information that was removed will eventually be verified and added back to your report. If you received any new credit during the time period that the valid items were not on your report, you could face legal issues. AnnualCreditReport.Gov

Some firms have you establish a new identity by using an Employee Identification Number (EIN). By using the EIN (some agencies even suggest you use the EIN as a SSN), you can get a fresh start and begin building your own new credit.AnnualCreditReport.Com

The problem is creditors will often catch this. Now you have taken on a new identity and received credit under false pretenses. Not good. You, not the credit report repair agency, can be prosecuted or run into a sea of legal issues.

Annual Credit Report Gov

Few Deliver Results

Few credit repair firms actually deliver positive results. Because credit repair is a new industry, there are no standards or key indicators to judge whether a firm has done a good job for the price paid.

In addition, deceptive ads is so rampant that a federal government law called The Credit Repair Organization Act was developed to help protect consumers from deceptive advertising and business practices performed by credit repair companies.

They Are Expensive

Repair companies are often expensive; not an attractive feature when you are trying to get out of debt. If you are considering paying expensive fees to improve your damaged credit, it may be time to take a look in the mirror.Annual Credit Report Gov

If you can repair your credit for free, then isn’t paying expensive fees financially irresponsible? Repairing your own credit is a step toward making better financial decisions by being more resourceful and saving money; money that can go towards paying debts.Annual Credit Report Gov


Repairing your credit report and credit core is not complicated. By reviewing your free annual credit report, you could ensure that good items are on your report, bad items that are old get removed, and that your report doesn’t contain someone else’s information. Take the leap and become more resourceful, leaving you with more money to pay your debts. AnnualCreditReport.Com

Provided by Adam VanBuskirk, the owner of free annual credit report Scores []

AnnualCreditReport Gov


Does a Free Annual Credit Report Gov Include Scores?

AnnualCreditReport.Gov – Free Annual Credit Report Online 2015; Check your credit report online once a year from 3 major credit agencies: EQUIFAX – EXPERIAN – TRANSUNION for Credit Consumers; Credit Score; Fix your own CreditReport Online..

Having great credit REPORT or creditscore  is really necessary nowadays. A blemished credit report can get in the way […]

Free Government Credit Report – Get Yours Today

AnnualCreditReport.Gov – Did you know that having your annual credit report on hand can actually save you money? Let’s say you were applying for a loan. Financial institutions will look at your annual credit report (taken from credit unions) to see if you are worth the financial risk of granting you the loan amount […]

Repair And Rectify Bad Credit Issues In Credit Bureaus

AnnualCreditReport.Gov – Have you tried to apply for either a credit card, home loan, auto loan, personal loan, mortgage loan or other credit facility from any bank or financial institution only to learn that the same has been declined due to past bad performance or inadequate credit score as captured by the assigned Credit […]

Annual Credit Report From the Government – Get It For Free

AnnualCreditReport.Gov  is a privilege of every single US citizen. This is indeed extremely important information which has been consolidated by three major credit bureaus – namely Experian, Equifax and TransUnion. They provide you with this important piece of paper without any payment.  Annual Credit Report is absolutely free of cost. Just like your statement of […]

Sample Credit Dispute Letter For the Credit Bureaus – Equifax, Transunion and Experian

AnnualCreditReport.Gov – Writing a letter to the credit bureaus is the first and most important step to repairing your credit. When writing to the credit bureaus you will have to write a letter to each bureau per negative and/or incorrect item.

An example of a situation in which you would have to write a credit […]

Get Your Annual Credit Report Minus the Hassle

AnnualCreditReport.Gov – Obtaining the annual free credit report you are entitled to is not very difficult, in fact it is extremely easy if you go about it the right way. The first thing you need to be aware of when interested in obtaining your report is how companies out there are cashing in on […]

The Benefits of a Credit Report With Score to the Investor

AnnualCreditReport.Gov – If you intend to go for a mortgage or invest somewhere, your credit history is one the key factors that will determine your eligibility. Your credit history can influence your ability to invest, buy an insurance cover or get a job. A good credit score is a precious asset that everyone should […]

AnnualCreditReport.Com – It is Really Free?

AnnualCreditReport.Gov – Residents of all 50 of the united states are now eligible to view all 3 free credit reports per year, one from each of the 3 big credit reporting agencies (Equifax, Experian and TransUnion), at a government mandated central location – But do you know exactly how it works, and what you […]

AnnualCreditReport.Gov – Free Annual Credit Report

AnnualCreditReport.Gov – Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free AnnualCreditReport.Gov be good news? Credit Consumers are thrilled with the new federal government mandate that demands all the 3 […]