Credit Scoring

How is my Credit Scored?  Basically, credit reporting agencies do not decide your credit worthiness. That is up to the individual lending organizations, but they rely heavily on the information supplied in the credit reports, and, realistically speaking, most lending organizations will depend almost exclusively on the credit reports and the credit scores provided by and through the CRA's.
 
Clearly, your credit score will depend on how correct, current, comprehensive, and complete your credit report is. To the extent that you can correct erroneous negative information contained in your credit report, you can improve your credit score.   We invite your to use this site as a tool to make this happen!
 
What is FICO®....
FICO® is a model of credit scoring, created by a company called Fair, Isaac and Co., Inc.  While their model has been kept secret for decades, public pressure and threats by lawmakers have forced this company to disclose more and more of its details.  Visit their website, for more information.

The Credit Repair Organizations Act  - The Credit Repair Organizations Act prohibits making false claims about credit repair. It makes it a crime for companies to collect all credit repair fees from an individual prior to services being rendered. It requires that these companies inform you about your legal rights. It demands that a credit repair company provide information about your legal rights in a written contract, which also must detail the services the company will provide you with, the duration of the services, the timeline before results can be expected, the total cost of the repair and any guarantees that are offered.

Your Rights - You have a right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove inaccurate, negative information form your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been denied credit, employment, insurance, or rental dwelling because of information in your credit report within the proceeding 60 days.

The Credit Bureau - The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau may not charge any fee for this service.

Errors In Reporting - Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580. Our fees include paper, ink, internet, supplies, credit reports, forms, all phone calls, stamps and education on re-building your credit so you will have the maximum results. There shall be no other charges.

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