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If you can not meet the increasing credit card rates, you may want to see a credit repair agency. For example, the "dsiSolutions, which this institution can help improve your credit. Credit repair services can be found through your online source such as Google, or look in the Yellow Pages.
If you have credit problems, there are some things to remember
1. Accurate negative credit information can not be erased. If a credit repair company tells you that he will be able to remove negative information from your credit report, they did not say the truth.
2. Some credit repair companies say they will be able to "hide" bad credit by helping you create a new credit identity. They will offer to create a new credit file for you with a false Social Security Number. Do not do it! This is fraud and is a crime.
3. Contact creditors if you realize you can not make a payment schedule. If you need help working on a payment plan and budget, contact your local credit counseling service. Before using a local credit counseling service, knowing that if Counselors certified, the cost of the service and if the agent is accredited. Also, check with the employer a credit union or housing authority for no cost credit counseling programs.
If you decide to seek assistance from a credit repair company, you are protected under the Federal Credit Repair Organizations Act.
• Under the Credit Repair Organizations Act, credit repair companies can not require you to pay until they have completed the services they have promised.
• Before you sign a contract, the credit repair company must tell you, in writing, what your legal rights are.
• A credit repair company must give you a written contract which clearly describes all of the terms and conditions of payment, a detailed description of services to be provided and an estimate of how long it will take to complete these services.
• You have three days to cancel the contract between you and the credit repair company.
• Credit repair companies are prohibited from making deceptive claims about their services.
Based on information from dsi Solutions, there are four easy ways to start your credit repair service. Below is information I got from that site:
1. The fastest way to get started is through our Secure Server online. By ordering online you'll receive your "Insiders Guide to Success" the same day. So you can start creating the life you want-immediately.
2. If you do not have a credit card, and you would like to sign up for the service using a check, you can use our Secure Online Check service.
3. You can also call us toll-free at 1-866-382-3410 (24 hrs a day, 7 days a week), but keep in mind, when you sign up over the phone it takes 48-72 hours to get your " Insider's Guide to Success ", instead of the same day like ordering online.
4. You can also mail or fax in your order as well.
Do you require a complete assessment and repair your credit or only a few suggestions for Clean Credit? Please visit the site.
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