Every consumer who uses credit has a credit record - and it is a very powerful tool.

Every time you apply for credit or a loan, creditors obtain your credit record to verify your worthiness. But, the use of these reports has broadened. Insurance companies have begun to use them to determine premiums or deny coverage. Potential employers may even want to check your credit worthiness before they extend an employment offer to you. Additionally, most government agencies require that you have a good credit history before they give you security clearance. The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law. If you are tired of being turned down for credit, employment and even car insurance because of "NEGATIVE CREDIT", we can HELP.