In the last 10 years credit repair has become a necessary process for keeping your financial life healthy, just like out-patient surgery, or drive-up oil changes. The complex network of information exchange necessary to maintain the credit records of millions of Americans could be compared to the complex interstate and highway networks that make up major cities. Although they work quite well most of the time, accidents do occur.
A recent study indicated that 79% of consumers have some kind of error or inaccuracy on their credit report.
Most people have potentially damaging inaccuracies on their reports that could be hurting their scores. Credit repair is the process of identifying errors, disputing the information in question, and monitoring the bureaus to make sure the corrections are made to your report.
Veracity Credit Consultants began serving consumers with inaccurate credit reports in 2003. We have been a preferred partner of the National Association of Mortgage Brokers. Veracity is commonly listed in the top-five credit repair companies by independent reviewers.
Our services are the result of years of experience disputing errors and removing inaccuracies from credit reports. Our Credit Experts are trained in the time-tested methods we have developed and receive ongoing training on the most up to date credit repair laws and techniques.
The Federal Trade Commission has published a number of guidelines for consumers to follow when researching credit repair services. Here's how Veracity compares with those guidelines:
The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
The company doesn't tell you your rights and what you can do for yourself for free.
The company recommends that you do not contact any of the three major national credit reporting companies directly.
The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.
The company suggests that you try to invent a "new" credit identity – and then, a new credit report – by applying for an Employer Identification Number to use instead of your Social Security number.
The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.
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Veracity offers three options to get started. First, we can provide a free, no-obligation Credit Report consultation. You can also jump right into Veracity Select, our reliable, time-tested credit repair product. If you have more complex credit issues, give the full-service Veracity Platinum a try. All of our services are risk free: you can cancel at any time.