Credit Repair In Ga

If you have a bad credit report and live in georgia,then this article is for you. By now,you know how hard it can be to secure new credit, new financing or seek new employment if your credit is bad. I am here to tell you that there is such a thing as credit repair in ga.

You have seen plenty of ads full of promises like these:

“Credit problems? No problem ”
“We can erase your bad credit, 100% guaranteed.”
“Create a new credit identity legally.”
“We can remove bankruptcies, liens, judgments and bad loans from your credit file forever ”

While you may be willing to do whatever it takes to repair your credit rating, some companies not only offer illegal advice or methods, but also misrepresent what they will be able to accomplish.
Unfortunately, these companies cannot live up to their promises. Even after you pay hundreds or thousands of dollars in up-front fees, your credit will be no better off. In some cases, it may be worse. No one can remove correct information from your credit report, even if it negatively reflects on you. It is illegal and a misdemeanor to operate a credit repair company of this type under Georgia law.

But if you do decide to respond to a credit repair in ga offer by one of these credit repair companies, please beware of the companies that:

• Want you to pay for services up front


• Do not tell you your legal rights or what you can do for yourself at no cost


• Recommend that you not contact the credit bureaus directly


• Suggest you get new credit by using someone else’s Social Security number or by applying for an Employer Identification Number or Advise you to dispute all information on your credit report.

There are many other credit repair in ga individuals and organizations the georgia law does allow to provide you with credit repair assistance. Lenders, banks insured by the FDIC, and nonprofit organizations can give you credit repair advice. In some situations, a real estate broker, attorney or registered financial advisor may also advise you. By having an approved company to handle your credit repair, you have the full protection of the law, not to mention a greater peace of mind.