Many consumers have the mistaken idea that credit bureaus are federally supported organizations backed by a vast array of laws meant to protect creditors. Nothing could be further from the truth. Aside from the government simply recognizing the need for credit reporting, credit bureaus have absolutely nothing to do with the government. Credit bureaus are simply huge bureaucratic companies which exist for the soul purpose of making money by selling information about you-information they never bothered to verify.

Because of the vast potential for error in the credit reporting system, the United States Congress has enacted laws to protect the consumer from being victimized by the credit bureaus. It is your right and responsibility to make use of these laws.

The Law versus Practical Reality

As the credit bureaus computerized their processes and greatly expanded their reach and influence in the late 1960s and early 1970s, consumer complaints began to mount at the FTC and state attorney general offices. The credit reporting agencies quickly became huge bureaucracies second only in size to the federal government. The credit bureaus expressly served only the needs of their clients, the credit grantors. Many consumers were negatively affected by the credit bureaus, but they had no way to correct or change their credit information.

The American consumer lay completely at the mercy of the credit bureaus. The United States Congress enacted the Fair Credit Reporting Act (FCRA) in 1971 to insure that the credit bureaus investigate the credit items disputed by consumers. This federal law set procedural guidelines, which gave the consumer the right to challenge the accuracy, validity, and verifiability of the credit listings appearing in their consumer credit report. It also required that the credit bureau delete any credit listing if it was inaccurate or could not be verified. Learn More.

In theory, the FCRA charges the credit bureaus with responsibility to the consumer as well as the credit grantor. In reality, the credit bureaus resist, resent, and reject consumer disputes. The credit bureaus would rather be left alone to make a profit. And, each time a consumer challenges his credit, profit is lost.

The credit bureaus first defend their profits by erecting walls of stall tactics, including requests for more information, further clarification, and additional identification. The vast majority of consumers give up before they even receive copies of their credit reports. If a consumer manages to get a credit report, decipher the codified information, write a coherent dispute, and mail it, the bureaus may still find some reason to disregard the challenge. The entire dispute system is designed to frustrate and discourage the consumer.

Many consumers have the idea that the credit bureaus must complete their investigation within thirty days or be forced to remove all disputed information. They threaten to sue the credit bureaus if they don't conclude their investigation in time. In practice, such thinking is delusional. Nobody forces the credit bureaus to do anything. However, if you manage to submit a valid dispute letter, and the credit bureau investigates your dispute, the chances of success are good.

If a credit bureau cannot verify an item before completing its investigation, that item will be removed. Many creditor grantors are simply reluctant to take the time to verify the data. While the credit bureaus are in the business of reporting credit histories, creditor grantors are not. Click Here.

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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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.

San Diego is a beautiful city on the Southern California seacoast known for its ideal climate, miles of beaches, and its location on the Mexican border, right across from Tijuana. It has a rich heritage built around sailing and is home to the Pacific Fleet of the United States Navy. It is also well known for its part in the wildlife conservation movement, being home to a Sea World theme park and the 'world-famous' San Diego Zoo and Wild Animal Park. San Diego is an excellent place to escape from the hustle and bustle of nearby Los Angeles. As you might expect water sports are popular here. Surfing, sailing, whale-watching, scuba diving, hang-gliding and golfing are always a spectacular way to spend an afternoon. Only a short walk from San Diego Bay, the Convention Center and Petco Park (where the San Diego Padres play), is the Gaslamp Quarter. Filled with various eateries and galleries and busy rooftop lounges, this is the place to go, to dine in, and to stay at while in San Diego. For restaurant suggestions, try Sammy's Wood Fired Pizza right across from the outdoor mall. Thinking about an “authentic Irish Pub,” try the Dublin Square Irish Pub on Fourth Avenue. The Horse Shoe Bar is a replica of Kilkenny's 19th Century Tinyan Bridge House Bar. Made from solid Irish oak, with every detail painstakingly reproduced, right down to the moldings, panels, and hand carvings it’s a beauty to behold. For fun that will help you forget about that hang-over, head to Belmont Park. Recently restored, it is now a vibrant shopping and recreation area in Pacific Beach. The Big Dipper Rollercoaster is always fun and exciting, and one of the oldest wooden coasters in California. Of course shops like Emerald City offer a wide variety of things to buy. But the real show is on the Pacific Beach Boardwalk, which is some of the best people watching in the world. No trip to San Diego would be complete without going to see the world famous San Diego Zoo and Sea World. The World-Famous San Diego Zoo is home to many of the worlds most rare and exotic animals and plants, including the only pair of giant pandas in the U.S. Alternatively Sea World is a 150-acre marine life adventure park on Mission Bay. Come see manatees, polar bears, dolphins, and the famous Shamu. Those desiring to learn some history can visit one of many museums, including the Museum of Man, the Natural History Museum and the Maritime Museum. Although San Diego is the eighth largest city in the country, it's stayed true to its laidback surfer vibe mentality. If you're looking for trendy boutique hotels, an exploding culinary scene, and big-city nightlife, with a side of beach bum mixed in, you're in the right place!

california’s beautiful landscape and scenery, mild climate, and diverse population makes it an attractive state to both live in and visit. since the gold rush of 1849, california has become the largest u.s. state in population, with around 37 million people. known as the “golden state,” california provides a rich cultural history, beautiful scenery, arts, entertainment, sports, and a climate that is varied enough to accommodate any type of outdoor recreation, no matter what the season. whether it’s hiking through beautiful redwood forests, skiing on snow-capped mountains, dirt-biking through the sonoran and mojave deserts, or surfing the waves at the beach, there is something to do here all year long. and with venues such as los angeles international airport, experiencing all that california has to offer is quick and easy. california is home to many popular theme parks such as disneyland, six flags magic mountain, knotts berry farm, legoland, universal studios, and sea world. yosemite and death valley national parks are just two of 47 state parks that offers a rich outdoor history and beautiful scenery. upscale clothing boutiques in places such as hollywood and rodeo drive, along with a variety of factory outlet stores and colorful flea markets offer many different shopping experiences. california has so much to do, the possibilities are endless.

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