Many consumers have the mistaken idea that credit bureaus are federally supported organizations backed by a vast array of laws meant to protect creditors. Nothing could be further from the truth. Aside from the government simply recognizing the need for credit reporting, credit bureaus have absolutely nothing to do with the government. Credit bureaus are simply huge bureaucratic companies which exist for the soul purpose of making money by selling information about you-information they never bothered to verify.

Because of the vast potential for error in the credit reporting system, the United States Congress has enacted laws to protect the consumer from being victimized by the credit bureaus. It is your right and responsibility to make use of these laws.

The Law versus Practical Reality

As the credit bureaus computerized their processes and greatly expanded their reach and influence in the late 1960s and early 1970s, consumer complaints began to mount at the FTC and state attorney general offices. The credit reporting agencies quickly became huge bureaucracies second only in size to the federal government. The credit bureaus expressly served only the needs of their clients, the credit grantors. Many consumers were negatively affected by the credit bureaus, but they had no way to correct or change their credit information.

The American consumer lay completely at the mercy of the credit bureaus. The United States Congress enacted the Fair Credit Reporting Act (FCRA) in 1971 to insure that the credit bureaus investigate the credit items disputed by consumers. This federal law set procedural guidelines, which gave the consumer the right to challenge the accuracy, validity, and verifiability of the credit listings appearing in their consumer credit report. It also required that the credit bureau delete any credit listing if it was inaccurate or could not be verified. Learn More.

In theory, the FCRA charges the credit bureaus with responsibility to the consumer as well as the credit grantor. In reality, the credit bureaus resist, resent, and reject consumer disputes. The credit bureaus would rather be left alone to make a profit. And, each time a consumer challenges his credit, profit is lost.

The credit bureaus first defend their profits by erecting walls of stall tactics, including requests for more information, further clarification, and additional identification. The vast majority of consumers give up before they even receive copies of their credit reports. If a consumer manages to get a credit report, decipher the codified information, write a coherent dispute, and mail it, the bureaus may still find some reason to disregard the challenge. The entire dispute system is designed to frustrate and discourage the consumer.

Many consumers have the idea that the credit bureaus must complete their investigation within thirty days or be forced to remove all disputed information. They threaten to sue the credit bureaus if they don't conclude their investigation in time. In practice, such thinking is delusional. Nobody forces the credit bureaus to do anything. However, if you manage to submit a valid dispute letter, and the credit bureau investigates your dispute, the chances of success are good.

If a credit bureau cannot verify an item before completing its investigation, that item will be removed. Many creditor grantors are simply reluctant to take the time to verify the data. While the credit bureaus are in the business of reporting credit histories, creditor grantors are not. Click Here.

The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.

What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score	Rating	Best Interest Rate
780+	Perfect	Yes
720-780	Excellent	Yes
675-720	Average	No
620-690	Fair	No
Below 620	Low	No

No Time like the present
“There is no time like the present for a good thing.”
Mike Conway, former Co-Founder of America West Airlines
& New CEO of World Ventures travel company.
Seize the moment!

Repair your credit - Increase your score

Content on this web site is provided for informational purposes only. We accept no responsibility for any loss, injury or inconvenience sustained by any person resulting from information published on this site. We encourage you to verify any critical information with the relevant authorities.

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Atlanta Legal Services

Georgia CreditRepair

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The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

Where can you find art, rich culture, deep historic roots, exciting nightlife, fine dining, great music and good ol’ Southern Hospitality? You can find all of this and more in Atlanta, GA. Atlanta is not only a major revolutionary player in American history, but it is also well known for its sports, music, and openness to diversity and culture. If shopping is your thing, Buckhead, one of Atlanta’s most prestigious neighborhoods, has some of the most upscale shops around. In Phipps Plaza and Lenox Square you will find Saks Fifth Avenue, Tiffany & Co. and Burberry. You can also experience Atlanta under the stars at any of Chastain Park Amphitheater’s concerts. Every July, Atlanta holds the National Black Arts Festival, which offers 10-full days featuring over 1,000 artists with dance, music and much more. Atlanta is also well known for a little theme park called Six Flags. It is plain to see that Atlanta has a little something for everybody. The shopping, the music, the festivals and of course the roller coasters. It’s no secret that Atlanta has it all.

Located in the Deep South, Georgia is a state with a long history and a lot of soul. As one of the original 13 colonies, Georgia was a military buffer between the Spanish in Florida and the British in South Carolina. The city of Andersonville is home to the National Prisoner of War Museum where visitors can experience exhibits and artifacts from the American Civil War. Georgia is also rich in African-American culture. This is the state where Dr. Martin Luther King Jr. was born and where his memorial, The King Center, is located. Macon’s Tubman African American Museum is also a must-see. But there’s more to Georgia than just history. In the western part of the state are the Appalachian Mountains, the oldest mountain range in the world where hikers and campers are sure to have an exciting and memorable adventure. And to the east are green rolling hills that lead to Georgia’s beautiful sandy beaches along the great Atlantic seaboard. Among the many quaint, quiet beach towns along the coast, you’ll also want to visit the famed city of Savannah, which offers great city life right alongside the many natural wonders your bound to find at the coast. Visitors can also catch an Atlanta Braves baseball game at Turner Field to score one grand slam of an evening. Indian Springs State Park and Okefenokee National Wildlife Refuge are popular tourist destinations as well. And if that’s not enough, there are also miles of off-road trails, roaring rivers, and scenic country roads to explore. Southern cuisine is also a specialty in Georgia, where you’ll find plenty of comfort food, fresh seafood, fresh peanuts, and delicious pecan pies, to name only a few. All of this served up with a healthy dose of that famous Southern charm is sure to make anyone hungry for more and ready for another unforgettable trip to the great state of Georgia.

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