• Over 82% of the population has inaccurate, misleading, duplicate or obsolete info on their credit reports
• Consumers don't know what to do about harassing collection calls and letters
• Consumers don't know what to do if someone serves them with a Civil Summons to go to court for a debt
• Consumers don't know how to negotiate their debt properly to get: 1. good credit in return and 2. and save usually a few hundred dollars or more
• People don't know the credit laws that govern them and that they do have the right to dispute their credit reports and get items deleted or corrected
• Consumers don't know that they can add positive credit to their credit reports
• Consumers don't know how to raise their credit scores
• Consumers don't know that if they buy a vehicle before buying a home, they could risk the chance of not getting approved for the home loan
• Consumers don't know that these companies base your approval, interest rates, etc on their credit scores: insurance companies, jobs, apartments, creditors, lenders, re-financing, etc.
• People don't know how to protect themselves from Credit Identity Theft or what to do if they become a victim
• Over 54% of senior citizens have never seen their credit reports and have no idea how to read them
• Consumers don't know that there are only two ways to get FREE credit reports and they are NOT - FreeCreditReports.com
• Consumers don't know how to get out of ChexSystems or TeleCheck if they wrote a bad check or can't open up a checking account
• Young adults, 18 yrs old or older, don't know how to start establishing credit so they can someday get a loan
• Over 95% of the population don't know that you can actually get bankruptcies, tax liens, charge-offs, collections, child supports, judgments, late payments, etc deleted from their credit reports
• High schools and colleges do not teach us about credit, our credit rights or what to do if we get in debt
• Most consumers don't even know how to read a credit report or understand its contents.
• Most consumers simply don't know where to go to get help
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