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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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.

It's said that Mark Twain was the first to call Minneapolis and St Paul the 'Twin Cities,' owing to their proximity (less than a dozen miles apart) along the Mississippi River. Despite the 'Twin' moniker, the two cities are quite distinct from each other. Minneapolis, with its broad boulevards, easily navigable grid layout, and modern downtown architecture, has been referred to as the 'first' (i.e. furthest east) city of the American West. Indeed, from its urban Sculpture Garden to the world famous Mall of America, Minneapolis boasts an abundance of unique sights. Throughout the city, neighborhoods house unique shops and ethnic eateries, while the Mississippi River and more than 20 lakes within the city limits add to the landscape. During your stay, you will find no shortage of leisure activities in the area, including cultural events, professional sports - the Minnesota Twins, Timberwolves and the Vikings – as well as festivities galore. The city boasts several world-class museums like the Weisman Art Museum, the Walker Art Center and the Minneapolis Institute of Arts. Aside from its museums Minneapolis is know for its theatres. Actually Minneapolis has more theatres per capita than any other city outside of New York. Be sure to check out the Guthrie Theater, the Walker Art Center, the Theatre de la Jeune Lune and the Pantages Theatre while in town. Despite the abundance of theatres culture is not the only pastime for people in Minneapolis. A string of lakes along the west side of town features many old, large and expensive homes nestled amid more comfortable middle- and working-class residential neighborhoods. A drive or walk around The Lakes, from Cedar Lake with its public and 'Hidden' beaches in the north, around Lake of the Isles with its bird sanctuary island, Lake Calhoun and Lake Harriet in the south, emptying into Minnehaha Creek, will reveal some of the most picturesque houses with spectacular views of the lakes. Lake Calhoun and Lake of the Isles could be called the most popular in the city-thousands of people can be found walking, biking, running, swimming, skating and boating on and around them. Minneapolis is also famous for its most famous prodigy, Prince. Along with Prince artists like: the Replacements, Garrison Keillor and others have helped make First Avenue and the 7th Street Entry venues of choice for both artists and audiences over the years. Other famous Minneapolis firsts include the filmmaking Coen brothers, and Jesse 'The Body' Ventura. Your opportunity to see and experience one of the cultural and entertainment capitals of the United States is close at hand, stop by Minneapolis and see what everyone is talking about.

Which state has over 10,000 lakes, is located on the shore of Lake Superior and is the starting point of the great Mississippi River? The answer is none other than Minnesota, whose name derives from the Dakota Indian word meaning “sky-blue waters.” In addition to every form of water recreation imaginable, Minnesota offers so much more. There is literally something for everyone. With Minnesota’s abundance of woods, wildlife and preserves, there are eco-friendly activities where you can travel without leaving an environmental footprint. For those of you who seek adventure and thrills, take a trip to Moose Mountain, Lutsen and explore some of the most rugged and challenging mountain biking trails. The St. Louis River is perfect for whitewater kayaking and Lake Superior offers a great scuba diving experience. And for the extreme skier, don’t forget White Bear Lake. Minnesota also offers fun and exciting family adventure. Take a trip to Hastings and visit the Afton Apple Orchards. Visit the International Wolf Center in Ely, where you can get an up-close and personal look at wolves in their wild habitat. As if the Mall of America isn’t reason enough to visit Minnesota, make sure you visit The Park at the Mall of America, which includes Legoland and a giant underground aquarium. Finally, if you are feeling a little crazy, visit the SPAM Museum. Learn everything there is to know about SPAM and even try your hand at making it. Minnesota truly does have something for everyone!

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