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.

Seattle, Washington is a beautiful coastal port city set scenically between Puget Sound and Lake Washington. The city’s chief harbor, Elliott Bay, the man-made Harbor Island, and the nearby Olympic Mountains provide for a panoramic waterfront and practically year-round sailing, skiing, camping, hiking, and bicycling. The Space Needle is Seattle’s famed landmark and has been featured in popular shows like Frasier and Grey’s Anatomy. The Seattle Center, the host of cultural events like Bubmbershoot, Folklife, and the Bite of Seattle, is actually the reconstructed fairgrounds surrounding the Needle, and the Seattle Center Monorail make these unique events easy to access. Known as “Emerald City” for its lush evergreen trees and as the “Rainy City” for its continually overcast weather, Seattle forms the central hub of the Seattle metropolitan area. Seattle mayor Greg Nickels refers to his home as a city of neighborhoods, which are often host to street fairs, live entertainment, and weekly farmers’ markets. Pike Place Market is one of the most well-known of these destination points for both tourists and locals alike. Seattle doesn’t stop there—the Fremont Troll, the Experience Music Project, and the Seattle Central Library are all representative of the city’s memorable flare. Poetry-friendly club venues, open mics, and grunge music make the Seattle arts scene a staple of the city. Famous artists like Nirvana and Pearl Jam are just two of the many that have been produced by the Seattle mix. Sports enthusiasts have a variety of games to choose from with the Seattle SuperSonics, NFL’s Seattle Seahawks, the MLB’s Seattle Mariners, and the WNBA champions Seattle Storm. At the same time, Seattle has been considered the most literate of the country; the University of Washington and Seattle University are two of the most respected education facilities. Serious students need serious coffee, and that is why Seattle is the foundation of Starbucks, Seattle’s Best Coffee, and Tully’s. Discover the treasure of the Emerald City where Seattle, Washington holds the perfect balance of beauty, business, and pleasure.

Washington is a beautiful state that sports an amazing coastline, green valleys, rolling hills, and mountains galore. It shares a border with a foreign country, our friendly, northern neighbor, Canada. And it has plenty of diversity: a thriving cultural and artistic element, vibrant music scenes, plenty of outdoor recreation, specialty shopping, mouth-watering cuisine, and of course, plenty of coffee shops. It’s also home to one of the most interesting and intellectual cities in the Unites States, Seattle. Many describe it as big city living with a small city’s pace and friendly neighborhood atmosphere. Here you’ll find the famous space needle, the original Starbuck’s, and the original home to grunge music, as well as many up-and-coming bands. Not far from Seattle, on the other side of picturesque Lake Washington, is Bellevue, an exciting, growing city that boasts one of the largest shopping centers in the region, Bellevue Square. Here you’ll find tantalizing restaurants and upscale shops with new additions like “The Lodge,” One Lincoln Tower, and the Bravern. Another popular spot is the Rosalie Whyel Museum of Doll Art, which houses over a thousand dolls. And for kids, the new KidsQuest Children’s Museum, contains 10,000 square feet of play space. Other attractions include the famous Washington and Evergreen Point floating bridges. Recreational opportunities include walks on its sandy beaches or a visit to one of its over 120 state parks, hiking, camping, boating or windsurfing in Puget Sound, and snow-based sports, or simply taking in the beauty of Columbia River Gorge.

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