Credit Repair Isn’t Legal
Not only is credit repair legal, you are guaranteed these rights by the Federal Fair Credit Reporting Act. The credit bureaus try their best to undermine the process, but it was their misdeeds that caused the law to be passed in the first place. The Fair Credit Reporting Act is your defense against them.
The Federal Trade Commission receives more complaints against credit bureaus than any other type of business. If you call the FTC today to report a complaint about the credit bureaus, their phone mail system will ask you to press one if your complaint is about the credit bureaus, and press another number if your complaint is about anything else. Clearly, this situation evolved out of deep consumer frustration with the uncooperative nature of the credit repair process.
Not surprisingly, the credit bureaus have declared war against companies that help people repair their credit. The bureaus criticize these companies in the media and send anti-credit repair literature to anyone who they suspect is getting help.
Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. The credit bureaus do everything in their power to discourage consumers from making progress with their credit repair, so you need to do whatever you can to protect your interests.