california public records act request sample
california public records act request sample
The so called "credit repair" companies claim they can remove negative information from credit reports. Advertising as "Counselors Credit "," Correctional Services credit rating, "or" Credit Consultants, "they trumpet variations on this Message: "denied due to bad credit? We can help!" Many of these companies charge hundreds if not thousands of dollars for the promise of "clean" is accurate negative credit report. No company has a "secret" ability to remove all negative information.
But this does not stop their claims. This quote is misleading prospectus of a credit repair company: "Charged-off accounts in collection, lawsuits, tax liens, foreclosures, bankruptcies and even can be removed from their credit records in less than a year (five to seven months on average). "
One tactic is to bombard credit reporting agencies of requests to verify information. If a credit reporting agency can not verify an entry in 60 days, will remove the information in the report. But if the information was later verified to be exact, dating back to the report.
Before you even consider signing a contract with a company that will repair your credit, remember these facts:
- You may obtain a copy of your credit report yourself.
- You have the right to dispute entries in your credit report.
Be careful with credit offers guaranteed!
Credit repair and other companies often claim that the "guarantee" for a credit card, regardless your credit history. In fact, these companies do not always honor their guarantee. Sometimes, you just take your money and run – will not receive credit regardless of what they promised.
If you receive a card at all is often a "safe" bank credit card with the application of high in advance, "" rates, which requires cash in and save several hundred dollars in a savings account or a card that only allows you to purchase items A catalog of a business that you probably never heard of. (You can apply for a secured credit card for yourself. For a free list of banks they do not charge application fees for certain cards, check the information from Consumer Action in the "For More Information" below.)
The credit repair companies often advertise on television, newspapers and even on matchbooks. Sometimes they require consumers to dial a number "900" telephone for more information. Calls to 900 numbers can cost $ 2 or $ 3 per minute, so listening to a few minutes Information About the cards can be expensive.
Some companies try to get people a credit card making the request using financial information of other people with good credit. It is a crime to apply for credit on behalf of another person – do not do business with one of these companies.
Security forces have shut down many credit repair kits, but hard team to stop a fraudulent credit repair less people complain about it. Therefore, be careful of responding to credit repair ads and be sure to complain to the agencies listed below If you think a credit repair company took advantage of you.
For more information
- The Federal Trade Commission (FTC) publishes information for consumers on the issue of credit and enforces federal laws on credit. For a list free publications, write to the FTC's Public Reference Department at the address below. While the FTC does not handle individual cases, can act as is a pattern of possible law violations develop. Complaints about credit reporting agencies and credit repair scams must be in writing. Send aa: FTC Credit Practices Division, 6th St., NW, Washington, DC 20580.
- Contact your local consumer protection or Attorney General's Office. Many attorneys general have hotlines free consumer. These numbers can be listed in the "self-help" or sections government in front of your telephone directory. These agencies can offer advice and also be able to help resolve your complaint.
- Free Report Consumer Action / Information tables giving legal advice to consumers and references to 10-2 can be reached Monday through Friday. Chinese, English and Spanish are speak. Call or (415) 777-9635 (San Francisco office) or (213) 624-8327 (Los Angeles Office). Consumer Action has a free list of banks credit card insured that do not charge application fees. To receive a free copy, send a stamped envelope to: Consumer Action Secured Credit Card Survey, 717 Market St., Suite 310, San Francisco, CA 94103. (Available in English only).
- Consumer Credit Counseling Service (CCCS) assists consumers who have problems to pay their bills – before their good credit ratings suffer. Your local CCCS office can help you develop flexible payment plans to make debt repayment more feasible. CCCS, call (800) 388-an interactive recording that will provide the telephone number of the office nearest you. They speak Spanish may call (800) 68-HELP (800-682-9832) between 8 am CST and 7 pm.
- Before signing a contract with any company, check with the local Better Business Bureau (BBB), a non-government service which advises consumers on fraud prevention. Call your local BBB. If you can not find a local number listed telephone directory, call the Council of Better Business Offices at (703) 276-0100 for a referral to the nearest office.
About The Author
Omar M. Omar is the previous owner of http://www.deleteuglycredit.com and – Author of “The Credit Repair Bible” book. He is also an activist who stands against issues such as Child Poverty. Currently, he is running his blog http://povretymarch.blogspot.com focusing on issues such as Child poverty and child hunger.
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