824-Lancaster Farming, Saturday, September 24, 1988 Credit Repair Or Credit Fraud? NEWARK, De. Consumers, gate, according to the Fair Credit particularly those with a poor ere- Reporting Act. dit history, may have noticed “If you have the cancelled check recent advertising by companies or the bureau gets proof from the claiming they can fix bad credit creditor that shows you paid the records. Can these credit repair bill, the credit bureau has to erase services really live up to their the mistake from your record,” promises? says Whittaker. According to University of If you use a credit repair service, Delaware Extension home eco- it would receive the same report nomist Roxane Whittaker, “While that the credit bureau would other these services say they’ll help you wise send you, says the home eco get a good credit rating-for a fee- nomist. “But if a mistake shows up they usually can’t do anything in the report, you still could be more than you can do yourself to asked to produce documents to change your credit record.” clear it up, so you might as well Under the Fair Credit Reporting work directly with the credit Act, “adverse information,” bureau rather than pay a service.” including information on unpaid If the bureau thinks the informa bills, taxes or judgments, as well as tion is correct after it reinvesti •public record information, stays on gates, the Fair Credit Reporting file with credit bureaus for seven Act allows you to write a statement years, and bankruptcy information of dispute (hat is included in all of is saved for 10 years. your future credit reports. “Soifyourcreditrecordisbad,” You can have the credit bureau says Whittaker, “no credit repair send updated reports-wilh correc service can change it.” tions or with your statement of If you are denied consumer ere- disputc-to creditors who have dit because of a poor credit report, received reports during the past six the Fair Credit Reporting Act months. requires the creditor who rejected “Always follow up with the crc your application to tell you what dit bureau to confirm that they’ve credit bureau provided the report. taken care of mistakes or mcom- - It also requires that bureau to give plete information in your file,” you information about the contents advises Whillakei. of your credit report oi <* copy of Credit bureaus charge a Ice to the report, free of charge. consumers who haven’t had a cre- This gives you a chance to find dit application denidd but want to mistakes and to take steps to cor- check their credit report anyway, reel them, says Whittaker. 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Significant historical Pennsylvania newspapers