Chapter Eleven
OK, But Give Me A Taste of Why
I Shouldn't Do-It-Myself
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Given the fact that the credit repair landscape is littered with the carcasses of fly-by-night companies (make a mental note: these usually aren't bona fide law firms), why wouldn't you want to take on the task by yourself? After all, the FTC correctly warns consumers to be wary, right?
In fact you may have come across credit repair methods that really are strictly illegal. These range from booklets and consultants who will advise you to do everything from identifying someone near your age who died as a child and attempting to establish credit in their name, to simply making up a Social Security number, to acquiring an IRS Taxpayer Information Number (TIN), which looks like a Social Security Number, and establishing credit with that, to you-name-it. Needless to say, all such methods risk loss of freedom, income, and community standing. In other words, they're trouble.
Fortunately, you won't find this book espousing that type of credit repair. Anytime you see an advertisement for "NEW CREDIT FILE OVERNIGHT," steer clear. Truly legal credit repair is a gradual process that takes time to complete.
In fact, what is advocated here — and by credible credit correction attorneys — is putting Federal statutes to work in the service of improving your credit standing. Here, laws are chased and embraced -- rather than shunned and avoided. In fact, sometimes consumers being guided by credit correction attorneys use those laws to actually file lawsuits against abusive original creditors), collection agencies, and credit bureaus to meet their goals.
The bottom line is this: To effectively clean up your credit reports without seeking professional assistance requires tackling a HUGE learning curve. Without turning you into one of those dull, squinty-eyed experts we warned you about before, here is some very basic and general background regarding the handful of Federal statutes advocated here:
- Credit Revolution: Path of the Smart Consumer
© 2007 John C. Heath, Esq., Dr. Randy Padawer, Jayson R. Orvis. All Rights Reserved.
Published by Far Cliffs Multimedia, LLC
More information about how to fix credit
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*Important: While the testimonials and other information on this website may be exciting, Lexington Law promises only to perform the steps we've agreed to in each client's case and to charge each month only for steps already completed. As with any legal work, no outcome is promised. Your results will vary. **The number of items removed represents the combined removals for all three credit bureaus. For example, if a single questionable negative item is removed from all three credit reports, it is counted as three separate removals.
© 2010 Lexington Law®. All rights reserved. John C. Heath, Attorney at Law, PLLC, d/b/a Lexington Law. Lexington Law is a group of law firms that may also be referred to throughout this site as "Lexington," "Lexington Law Firm," "we," "us," or "our firm". The number of items removed represents the combined results of the group.