| Academy Credit 101 | | | | consumers to legally challenge information on their |
| The entire process of trying to get your credit | | | | credit report on the basis of completeness and |
| reports back to where they should be is a | | | | accuracy. The government has also passed an |
| daunting one. You've probably looked at, and | | | | act, which authorizes a third party to assist you in |
| possibly even tried, doing it yourself only to find | | | | challenging inaccurate credit reports. Academy |
| out that the cards have been stacked against you | | | | Credit fully complies with this act. |
| by both the creditors and the credit bureaus. | | | | Why use Academy Credit ? |
| Then you have to go about the task of trying to | | | | Laws have been written to protect your credit |
| figure out what credit repair company you want | | | | rights; however they are often ignored unless a |
| to use to help you. There are a number of good, | | | | firm forces credit bureaus and creditors to follow |
| viable options out there, but many more | | | | them. Consumers don't have the knowledge or |
| fly-by-nighters that are only interested in your | | | | position to get the companies to follow the laws |
| money, and not repairing your credit. Luckily, | | | | closely. Academy Credit can make these |
| Academy Credit is not only a good and viable | | | | institutions obey the guidelines that our |
| solution, they are one of the leading credit repair | | | | government has written for our protection.They |
| agencies in the country. Academy has removed | | | | have years of experience in disputing with the |
| thousands of negative items from thousands of | | | | credit bureaus and know all the proper ins and |
| members' reports and they have made the entire | | | | outs. |
| process as simple and affordable as possible. | | | | Can I do this myself? |
| But... You still have questions. | | | | Yes, you have the right and privilege to do this |
| Good! Academy Credit takes this decision just as | | | | yourself, just as it is your right to represent |
| seriously as you do and there happy to answer | | | | yourself in court. However, the Credit Bureaus |
| any questions you might have. If you have any | | | | know that the average consumer does not know |
| questions that are left unanswered, call for a free | | | | the laws governing this process or comprehend |
| credit consultation 1(800)857-5268. | | | | the amount of time and determination it will take. |
| How are negative items removed? | | | | The vast majority of credit repair clients are |
| The credit bureaus and financial institutions must | | | | consumers who have attempted to do this on |
| comply with over 200 legal provisions when | | | | their own and could not achieve the desired |
| reporting information on your credit reports. They | | | | results. They find that Academy Credits' |
| commonly fail to followThe Fair Credit Reporting | | | | experienced staff is much more successful in |
| Act. When this happens Academy demands the | | | | removing negative items from their credit report. |
| removal of information that was illegally added to | | | | What can they delete? |
| your credit reports. When the credit bureaus and | | | | Academy has had good success in removing |
| creditors realize that they have been caught | | | | many types of negative credit from members |
| violating these laws, they would rather change the | | | | reports. After studying each item and its reporting |
| information on your reports than risk a lawsuit or | | | | criteria, they follow time-tested strategies that |
| a fine. | | | | require the reporting entity to check facts and |
| Is repairing my credit legal? | | | | present verifiable proof on any derogatory item |
| Surprisingly, this is the number one question we | | | | entered into your file. The law requires them to |
| are asked. Academy Credits process is 100% | | | | do so. Most creditors do not maintain records, |
| legal and is completed by a professional credit | | | | which substantially conform to the legal criteria |
| repair firm. In fact, the government recognized | | | | required. When they fail to present the adequate |
| that many consumers were being financially | | | | back up, they must delete the item. There staff |
| burdened because errors were appearing on their | | | | will follow up with the reporting agencies to make |
| credit reports. As a result, the government | | | | sure they do not avoid these legal requirements. |
| passed the Fair credit reporting act, which allows | | | | |