Lets say you don't have the best credit in the world. What should you do now? by Wes Smith

Lets say you don't have the best credit in the world. What should you do now? Colorado Mortgage Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report. So they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service. The truth is, these companies can’t deliver an improved credit report for you using the tactics they promote. It’s illegal: No one can remove accurate negative information from your credit report So after you pay them hundreds or thousands of dollars in fees, you’re left with the same credit report and someone else has your money . Make sure you know your rights. Their is no way to remove information that was reported correctly on your credit report . As long as it was reported correctly. You can legally ask that the information on your credit reoprt to be verified .The creditors can not ask for any money. Anything that is reported on your credit report can be verified. Some companies want to charge for this. Anything they can get you can get legally at no charge. According to the Fair Credit Reporting Act (FCRA): This are the law Credit repair information and free credit reports for debt consolidation and debt management counseling. Understand consumer credit counseling and debt consolidation credit counseling. This will help explain what they are charging you and what service they are offering. These company are required to give you a consumer credit file rights information. They also must give you a written contract that spells out your rights and obligations.Make sure you go over this information before you sign anything. The federal and state laws spell out what this company's can and can not do. You will need to know the laws to protect your self with this credit repair company's. You don't need to go to a credit repair company to help you with your credit repair. The best place to look and get help in my on line is a credit repair forum on line that is free.People in this forum will be glad to help. This will save you a lot for money.