- Report: #634228
Complaint Review: Qwest Enterprises LLC , Qwest Credit Enhancement
| Qwest Enterprises LLC , Qwest Credit Enhancement 918 n Clayton St wilmington de 19805
wilmington, Delaware United States of America |
|
Qwest Enterprises LLC , Qwest Credit Enhancement Qwest Credit Qwest Credit Enhancement gives you false Hope and Promises wilmington, Delaware
*Consumer Suggestion: Incorrect.
*Consumer Suggestion: Incorrect info.
*Consumer Comment: no safe way to "fix" credit
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This report was posted on Ripoff Report on 08/24/2010 11:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/Qwest-Enterprises-LLC-Qwest-Credit-Enhancement/wilmington-Delaware-19805/Qwest-Enterprises-LLC-Qwest-Credit-Enhancement-Qwest-Credit-Qwest-Credit-Enhancement-giv-634228. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search TipsThere is a charge to remove errors by the credit bureau's themselves but this is the ONLY way to "fix" your credit legally.
You are mistaken. The Credit Reporting Agencies are NOT ALLOWED to charge consumers for correcting/deleting inaccurate information-this is forbidden by the Fair Credit Reporting Act. Any CRA that charges a consumer for correcting/removing inaccurate/incorrect information is violating the FCRA and the consumer may successfully sue the CRA in District Court for the FCRA violation.
There is a charge to remove errors by the credit bureau's themselves but this is the ONLY way to "fix" your credit legally.
Credit reporting agencies CANNOT charge you for correcting legitimate errors on a consumer credit report-the Fair Credit Reporting Act FORBIDS it. Any CRA that charges a consumer for correcting/removing incorrect data is in violation of the FCRA and the consumer may successfully SUE the CRA in District Court for this violation.
The problem with these "fix my credit" scams is:
1. They tend to "dispute" everything on the credit report. Once the CRA gets wise to this, they are allowed to call the disputes frivolous and can then ignore the disputes. This means that a truly inaccurate line entry may very well remain.
2. These scammy businesses usually demand money UP FRONT- a direct violation of the Credit Repair Organizations Act.
3. These scammy businessses don't do anything that the consumer can't do for himself/herself.
4. They lie, usually promising to remove all bad entries, including bankruptcy. No one can compell a CRA to remove an item that is ACCURATE and CORRECT. If an item is accurate and correct, it remains on the credit report per the FCRA.
#3 Consumer Comment
no safe way to "fix" credit
AUTHOR: Happy1withshatteredreamz - (USA)
SUBMITTED: Tuesday, August 24, 2010

