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Accounting Series- Confusing Tax Forms

Your credit score can have a significant impact on your ability to receive loans, access credit, and other financial means. Contrary to popular belief, credit score recovery is not simply a waiting game.

We are Tampa Bay and Clearwater credit repair attorneys that assist our clients to quickly repair their credit scores using tried and proven techniques. Our attorneys and support staff work closely with our clients to thoroughly examine their credit reports to gain a thorough understanding of the events that have led to a decrease in the perceived creditworthiness of an individual. We then provide tailored counseling services as to how credit bureaus arrive at a credit score and how our clients can best go about improving and maintaining a high credit score.

The ads from credit repair companies pop up everywhere—on telephone polls, in newspapers, on TV and radio, in your email and on the internet. The say things like “Fix Your Credit Report. Same Day Service. Proven Results.”

You’ll see similar claims over and over. But can credit repair companies be trusted? We advise consumers to ignore these claims as they’re very likely signs of a scam. In reality, there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes knowledge, time, and effort to stick with a personal debt repayment plan.

Credit repair companies can’t deliver an improved credit report using the misleading tactics they promote. No one can remove accurate negative information from your credit report. So after you pay one of these companies hundreds of thousands of dollars, you’re left with the same credit report but out your fees.

According to the FTC, here’s how to evaluate the trustworthiness of credit repair companies. Be cautious if:

  • The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
  • The company doesn’t tell you your rights and what you can do for yourself for free.
  • The company recommends that you do not contact any of the three major national credit reporting companies directly.
  • The company tells you they can get rid of negative credit information in your credit report, even if that information is accurate and current.

Perhaps you should consider having a consultation with Caroline Secor. Carolyn Secor P.A. focuses its practice in the areas of Bankruptcy and Foreclosure Defense in Clearwater, Florida. For more information, go to our web site or call 727-335-7151.