Credit Umbrella - Turbo Score

Top 10 MytHS

3 federal statutes

CREDIT REPAIR scams

FCRA Rights

Credit Repair Scams

BE VERY CAUTIOUS OF

1. Companies that charge low monthly fees; Most of these companies will drag their feet to prolong the process in order to charge you more money in the long run, and probably not even produce many improvements.

2. Companies that do not inform you of your legal rights and what you can do on your own for free.

3. Companies that discourage customer contact with the credit bureaus.

4. Companies that guarantee removal of ALL negative items. No company can legally or ethically guarantee to remove all of your negative accounts, however they can offer a money back guarantee.

5. Companies that send you unsolicited emails, many of these come from fraudulent sources.

6. Companies that cannot or will not help your obtain your credit reports.

7. Companies that are not registered with the Secretary of State and bonded.

8. Companies that do not provide you with a general time frame for your case. Most cases can be completed in about 6 months.

9. Companies that urge you to create a new credit profile by applying for an EIN (Employer Identification Number). This is illegal.

10. Companies that advise you to lie on loan applications or suggest you establish a different identity. This is not only dishonest, it is illegal.

11. Companies that promise to pay your creditors from money you pay them that is placed in an escrow account. This proposition is merely a scam, and the debtor is the loser.

12. Companies that try to pressure you to join their program without providing you with a contract.

13. Companies that claim to repair your credit within a few days or a month. Your credit was not ruined overnight and it will not be fixed overnight!

14. Companies that have a 900 phone number should be avoided at all times. Any reputable company would have a toll-free number.

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*IMPORTANT NOTICE - Please keep in mind that in no way can Credit Umbrella Inc. guarantee or promise any outcome, as results will vary. Credit Umbrella has no affiliation with the credit bureaus. Credit Umbrella is not a Credit Repair Organization and does not provide credit repair services or financial or legal advice. CreditUmbrella™ does not claim to “repair” your credit. CreditUmbrella’s Credit Dispute Manager's intended use is to help you automate the time-consuming process of disputing and correcting inaccuracies in your credit reports, communicating with credit bureaus, original creditors, collection agencies, chexsystems, telecheck, and obtaining your credit reports, and provide you with educational materials. You may use the Software to challenge credit items identified as inaccurate, misleading, or unverifiable, but no consumer has the right to have accurate, current, and verifiable information removed from their Credit Report. Further, you must make sure that you do not send any dispute letter or form, which contains any untrue statement of fact about your situation. This product provides certain information about the law. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your situation or how the Software and this information may apply to you

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