Consumer Credit Repair

The credit laws do allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. You may choose to do this yourself or employ the help of a legal credit repair company. If you are heavily in debt, you may also want to consider a debt elimination or consolidation plan with the help of a professional.

If you can't solve your credit issues by yourself or you want additional help, you can contact a credit counseling service. There are non-profit companies in every state that help people in debt.

Counselors try to negotiate payment plans that are acceptable to you and your creditors. They also can help you work at a new household budget. Consumer Credit Repair - there is help out there.

If you do decide that debt consolidation is a good option, the FTC recommends you look for an nonprofit organization that offers many different of services, including budget counseling, and savings and debt management help. They suggest you stay away from companies that only have a debt management plan, at least before they spend a real time analyzing your personal debt situation. They also suggest you stay away from companies that charge you just for information and they suggest you get everything in writing. Visit the FTC site for more advice: Choosing a Credit Counselor.