Credit Report Cleaner
Learn More About The CRC System
The Credit Report Cleaner System is based on United States Laws regarding the reporting, storage and sharing of financial information about the credit and payment habits of American consumers.
All features of the CRC System are based on existing Federal laws, statutes and regulations based in whole upon 3 important Consumer Protection Laws. They are:
The Fair Credit Billing Act (FCBA):
This law is aimed at the Lenders. It is part of a very comprehensive set of Federal Laws called The Truth In Lending Act. The primary function of these laws is to guarantee protection to consumers by making sure lenders bill their customers fairly, accurately and completely.
FCBA establishes specific rights of you the consumer, including the right to dispute bills and the way billing is reported to Credit Reporting Agencies such as Experian, Equifax and Trans Union. (There are other Credit Reporting Agencies, but these are the big three that record and maintain your entire credit history)
Credit Report Cleaner System uses all of your rights under the FCBA to give you the ultimate power over how what and how your bill paying history is displayed in your credit report.
The Fair Debt Collection Practices Act (FDCPA):
This law regulates the Collection Agencies. The law dictates what debt collectors can and can’t do, and it now prohibits many of the abuses that used to be common before this law came into effect. Because of this law, CAs are now held to certain behavioral standards, and if they don’t meet those standards, they are subject to fines and penalties. In short, debt collectors cannot harrass you or act against any facet of this law.
The Fair Credit Reporting Act (FCRA):
These laws are directed at Credit Reporting Agencies, especially the big three, Experian, Equifax and Trans Union. FCRA controls how these agencies must gather your financial information, how it must be maintained, whom it can be shared with and provide remedies for speedily removing from consumer credit reports any and all credit information that is proven inaccurate OR that was recorded without proper verification.
FCRA guarantees that Credit Reporting Agencies grant access to individual consumers credit reports and and credit scores. It regulates who is allowed to view your credit report and what they may do with the information. ANY violation of the FCRA carries very stiff penalty from the Federal government once such violation has been made claimed by a consumer. The Credit Reporting Agency has a very short amount of time (within 30 days) to correct (remove) information either shown to be inaccurate OR that has been improperly obtained.
Credit Report Cleaner Is Based On U.S. Federal Law!
Removing negative items from your credit report even when you know all the laws is much easier said than done. The experience of the CRC staff is invaluable to you the consumer because we have successfully achieved dozens of successful results for our clients.
Dealing with Credit Bureaus and Agencies is a very daunting task. Despite the fact that the new consumer laws make it POSSIBLE for consumers to control what is reported in their credit file, the Credit Reporting Agencies have gone to great lengths to make it very difficult for the average consumer to do so.
Even lawyers and other financial professionals have hit stone walls of resistance and failed to achieve results for their clients.
Credit Report Cleaner was develloped with the direct help of one of the most successful law firms in the United States and after nearly seven years of trial, error and perfecting the process of dealing with creditors, lenders, agencies and the federal government on behalf of our clients, we have a product that is equal to that which the best credit repair firms charge thousands of dollars for.
CRC handles a very small number of clients at a time. This ensures that we can provide excellent customer service and we stay in the process with you until you achieve the desired results.
In short, you are not alone. If you buy an ebook on internet credit repair service and such, many times they will throw a lot of raw data and information at you and give one or two outdated methods on how to implement their ideas.
CRC staff work with credit bureaus and agencies every single month on behalf of clients and though we are small, we are efective in using every single letter of the law to the advantage of our clients.
There are over 15,000 pages of legal writings based on the various Federal acts and laws involved in credit repair. We have read them all and keep up to the minute with any new changes that affect the goals of our clients to gain control over their own credit file.
We are not a law firm, we are a private partner to help you reach your credit file goals.
We conduct real live interview with you (telephone or in person), we will fill out all the necessary forms and present you with one easy to mail package each month until the goal is achieved.
We will speedily answer your questions and guide you through the entire process. We will give you suggestions on not only cleaning your credit file, but also how to get new credit fast and real life examples on how to use it to your maximum advantage.
Credit Report Cleaner Does All The Hard Work!
We Save You Time, Money and Frustration!