What is involved in the credit restoration process?
When creditors post information to your credit report, they do so voluntarily. There is nothing that says they MUST give the nation’s credit repositories information about you. There is, however, something that says if they decide to volunteer that information that it must be complete and accurate–the Fair Credit Reporting Act, (FCRA). The credit restoration process is simply a set of procedures that ensure creditors are acting in compliance with the laws that protect you. Properly trained credit repair/restoration professionals review your credit report, identify all potential violations and errors, and help you effectively challenge the wrongfully posted or erroneous credit report content. Creditors must also follow the laws with respect to the procedures they use when posting content to your credit report. You may rightfully owe for a collection account, for example, but if the creditor, the reporting company or collecting company did not follow proper protocol, they may be require
