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Repairing Credit Yourself

The Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted.

Disputing items on your credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything in their power to discourage consumers from making progress in their restoration efforts.

Restoring your own credit is like repairing your own transmission or representing yourself a court of law; it is possible, but you must decide if you are willing to take the time and assume the risks of doing it yourself. Most people choose to allow an attorney to represent them because an attorney better understands the complexities of the legal system. If you decide your time is better spent and you would like a respectable company to help, we HIGHLY recommend using Lexington Law.

The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.

What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score

Rating

Best Interest Rate

780+

Perfect

Yes

720-780

Excellent

Yes

675-720

Average

No

620-690

Fair

No

Below 620

Low

No

 

 

 


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Content on this web site is provided for informational purposes only. We accept no responsibility for any loss, injury or inconvenience sustained by any person resulting from information published on this site. We encourage you to verify any critical information with the relevant authorities.

© 2006 DMGI, INC.
NorthDakota Legal Services.

The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

North Dakota exemplifies the Midwest in terms of wide-open spaces, agriculture, free-range livestock, an interesting history, friendly folks, and importance in family fun. Children will enjoy the Toy Farmer Museum where they can marvel at the vintage toy collection of yesteryear when the work was harder, but life was simpler. The Fargo Air Museum is fun for all ages, particularly those with a fondness for aviation. And the Sitting Bull Burial State Historic site honors the legendary Native American chief and his important and indelible mark on American history. For those looking for history as well as adventure, hiking along the Lewis and Clark trail is a must, while mountain bikers can ride the Maah Daah Hey Trail, one of the top-ranked mountain biking trails in America. Jeep drivers, motorcycle riders, and ATV riders will enjoy speeding along the miles upon miles of dirt roads and off-road trails that wind through the badlands. Hunting is also popular here. For example, Kenmare is the snow goose capital of America! The open prairie is also a great spot for hunting small game. As for spectator sports, Turtle Lake’s United States Turtle Racing Championship and Killdeer Mountain Roundup Rodeo are must-sees. North Dakota is also known for its beef, so hungry visitors should mosey on down to Rutland, home of the biggest hamburger in the world, topping over 3,500 pounds! And here’s a little known fact outside the state, Dakota is actually a Sioux term for friends, so there’s a good chance that in North Dakota, you just might make some new ones.

North Dakota, Midwest, Turtle Lake, badlands, Kenmare, Killdeer, Lewis and Clark, Sitting Bull, Fargo, Rutland

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