CreditRepair.com provides assistance to consumers who need help repairing their damaged credit scores. The Credit Repair Service has been around since 1982 and was designed to provide a consumer with credit counseling services and credit repair techniques that he or she can use to repair their credit reports. Credit Repair USA provides consumers with many different options to help them improve their credit ratings. “Credit Repair USA offers different programs that can help you improve your credit rating. They offer both free and paid services. Free credit counseling and credit repair companies work together to help you better understand your credit and get your scores in good standing. Free credit counseling can help you deal with problems such as: Identity theft, foreclosure, bankruptcy, credit card debt, poor payment history, and others.” Credit Repair USA works to help people understand what credit repair means and how it is done. A credit repair organization does not promise to improve a person’s scores overnight but the truth is that it can help a person to slowly bring his or her scores back up to an acceptable level. When a person begins to try to clean up his or her credit records, one of the first steps is to order copies of his or her credit reports from all three major credit reporting agencies. These reports contain detailed information about a person’s payment history and credit history and contain inaccurate negative information that can make a person’s score plummet. The goal of these reports is to provide financial lenders with accurate and complete information. The problem arises when a person receives a copy of his or her credit report only to find that the negative information is incorrect. Credit Repair USA helps consumers find the best credit repair companies so that they can have their negative information removed from their credit reports. Credit Repair USA works with local credit repair companies that will review a person’s credit reports for accuracy. This agency also removes potential negative information that may appear on a consumer’s credit profile. Credit Repair USA has a team of professionals who are able to remove potential fraud from a consumer’s credit history. Many of the fraudulent accounts stem from accounts that were opened in someone else’s name, which is one of the reasons why the process of opening new accounts can be such a headache. When a person submits a dispute to the credit bureau, he or she should first send a letter to the company or organization that provides the information. If the company cannot provide a response within 30 days, then it is in the best interest of the individual to send a second letter. A person should always ask for verification or confirmation of the disputing errors before sending any further letters. Credit Repair USA will explain what forms to use and what forms are not necessary when disputing errors on a credit report. These documents should include a written letter explaining the dispute, the supporting documentation, and a statement of where the fraudulent account is enrolled. Credit Repair USA provides detailed information on how individuals can repair credit reporting information online. When the credit reporting companies cannot prove an item is inaccurate, then the account should be removed from your file. Individuals who receive notifications from the credit reporting company that an item is inaccurate should send a dispute letter to the provider requesting the change. Credit Repair USA explains that if the provider cannot prove the item is inaccurate, then the dispute should be deleted. Once the dispute has been deleted, credit repair USA will advise you how to contact the credit reporting company to make the item correct. The Fair Credit Reporting Act (FCRA) outlines guidelines on how the credit bureau must respond to a dispute. One guideline states that if you are not provided with a reply by the credit bureau within thirty days, then you may send another letter asking for reconsideration. Should the bureau not respond to your second letter within the given time frame, then you may send one more letter asking for reconsideration. A credit repair company should be contacted by the consumer if they are not able to reach agreement with the credit bureau regarding the removal of the disputed item. If negotiations are unsuccessful, then a letter of demand for damages against the credit bureau is necessary in order to ensure your rights are protected.