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.

nowhere is the expression “everything’s bigger in texas” more prevalent than in its largest city: houston. no matter where you’re headed you’ll find yourself in the biggest and most significant place of its kind. if you want a taste of true, down-home texas flavor, you can attend the houston livestock show and rodeo. with an average yearly attendance of over 2.5 million, it is the largest livestock exhibition and the world’s largest rodeo event. for three weeks in march visitors and natives can tap into their inner cowboy by watching or participating in bull riding, livestock judging, concerts, carnivals and a slew of shopping, art auctions, and food and wine tasting. texans are known to be big on fun and big on hospitality, but thanks to the cultural metropolis of houston, texans are also big on the arts. downtown houston is the host of the museum district which includes the houston ballet, the houston symphony, the houston grand opera, and the museum of fine arts—which is, not surprisingly, the largest museum in texas. if retail therapy is your favorite activity, houston’s galleria is the largest shopping mall in texas with upscale stores such as neiman marcus, nordstrom’s, saks fifth avenue, gucci, and louis vuitton—just to name a few. for the sports-nut, reliant stadium, minute maid park and the toyota center are all home to houston’s professional football, baseball and basketball teams. for a truly otherworldly experience, one can visit houston’s most famous attraction: nasa’s lyndon b. johnson space center. the birthplace of mission control and space camp, you can spend an entire afternoon viewing moon rock, experience a shuttle simulator or take a tram tour through nasa. with such an important institution in our nation’s history located in the heart of texas, it is no wonder that houston's nickname is “the space city”. a place where houston definitely doesn’t have a problem is at the texas medical center. seated on 1,000 acres in downtown houston, the texas medical center is the largest medical center in the world with 13 hospitals, 2 medical schools, 4 nursing schools, and schools of dentistry, public health, and pharmacy. while houston is the forth-largest city in the united states and has some of the tallest buildings in the country, houston still can’t give up texas’s wide-open spaces. for the nature lover, memorial park is located right in the middle of the city. with 1,466 acres at its disposal, memorial park has facilities for tennis, softball, swimming, golf, volleyball, cycling and a three-mile running course. in case that wasn’t enough, the buffalo bayou runs right through downtown. with opportunities for fishing, canoeing, and kayaking, the great outdoors is just a few feet away from all the big city pleasures. being big has its advantages. whatever you’re looking for, houston has enough room to contain it. whether you want all the comforts of modern life or want to feel like an authentic texas cowboy, houston truly is the biggest and best.

As one of the largest states in the Union, Texas, the Lone Star state, is big on tourism and huge on fun. Two thirds of the over 20 million folks who call Texas home live in its major metropolitan cities, like Houston, Dallas, and Austin. Aside from the typical things most big cities have to offer, like great food and exciting nightlife, folks in Houston can also sign up for space camp. In Dallas, nothing beats catching the Dallas Cowboys football team in action during a home game, or witnessing a true cowboy ride a live, bucking bull in a Dallas rodeo. And, in Austin, the city dubbed “Live Music Capital of the World”, there is always a good band playing and many other types of live entertainment, from theater to orchestras. If relaxing by the warm water of the Gulf of Mexico is more your speed, then head down to the state’s hundreds of miles of coastline. Aside from its many small, quaint beach towns, there’s also Corpus Christi, where you can enjoy a delicious seafood meal while watching the boats sail in and out of the harbor past the barrier islands located just off the mainland. Texas also has several water parks and amusement parks, including the famous Six Flags Over Texas. Whatever you decide to do in Texas, you’re bound to have a good time. And, before you leave, there are two things you definitely don’t want to forget, your luggage…and the Alamo.

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