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Credit repair agencies can't remove any negative information on your credit report that's correct, regardless of any claims that may be made to the contrary. Agencies that knowingly dispute accurate negative information are just wasting your time. Through legislation enacted in the Fair Credit Reporting Act (FCRA), your creditors have 30 days to investigate any claim to determine whether the negative information being disputed is incorrect. Negative information may be temporarily removed from your credit report but will return if it is verified as true at any time, even after 30 days. In the meantime Cheap Darron Lee Jersey , the credit repair agency may print you a copy of your ?updated? credit report sans your negative info. You may not find out until months later that your credit score has not actually changed.


If your credit score is quite low, some shady credit repair agencies will suggest creating a completely new credit record. In place of your social security number, the agency may try to secure a fraudulent Employer Identification Number (EIN) for you. This is essentially creating a new identity for you that you can use to start over with a fresh credit record. This is also a federal crime. If you fraudulently create a new credit record you will be held fully responsible for your actions and could face prosecution.


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Credit repair agencies also cannot legally make any promises or guarantees they can't back up in writing. If in doubt about anything the agency claims it can do, check with the Better Business Bureau and see if there are any complaints lodged against the agency. If there are no complaints on file, meet with a representative of the agency you want to do business with and make sure they aren't making promises that they can't possibly deliver.


Armed with the knowledge of what credit repair agencies can and cannot do, you should be able to find an agency that will meet your needs and help you clean up your credit report with a minimum of time and hassle.


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Let's say you're a "marketing mom" who wants to sell mail-order hand-painted gifts on the web. How will you go about branding your name? First, isolate your key customer. That would be MOM. Where does she live and reign on the web? In bazillions of online mommy groups and forums! So start writing articles about gifts that speak to your number one prospect Cheap Nathan Shepherd Jersey , Mom. If you're a mom too, you'll likely have lots in common, so get those articles going and start talking Mom to Mom. In your articles, offer your prospect a few ideas she can use in her business and her life Cheap Le'Veon Bell Jersey , then gently introduce her to your hand-painted gifts. Roll out article after article, and submit to every place you can find on the web that might be a hot spot for the work-at-home web mommy.


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If you haven't already, start thinking about an article marketing campaign. Target your key customer, and then lay the foundation for your brand... one article at a time.


Copyright 2005. Dina Giolitto. All rights reserved.


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