Why take credit restoration action right now?
As the credit crisis (mortgage meltdown) continues to worsen, lending options for consumers with poor credit continues to decrease as well. There has never been a more important time, in the history of the United States, of having a healthy credit score. Who could possibly afford to wait seven plus years for credit report problems to disappear? An individual has an incredible number of rights when it comes to improving his/her credit. The only way to get those rights to work for you is to take action immediately. There's no better time to act than right now!

What do the Consumer Reporting Agencies (CRAs) do?
There are three major national credit reporting agencies, or Consumer Reporting Agencies (CRAs), which are not government agencies. The CRAs are for profit, multi-billion dollar national credit corporations that gather and sell your private personal credit information to a number of sources including the following: creditors, insurers, employers, landlords, and companies that solicit you for credit and insurance offers.
In addition, CRAs also sell your credit history information to telemarketing and mailing list companies, generally without your permission, and in most cases without your knowledge! CRAs have admitted, as a matter of public record, that errors occur on consumer credit reports, but they do nothing to correct them proactively.

If the CRAs really cared what they were reporting, they would send everyone a copy of his or her credit report once a year and ASK if everything is right! As we all know, that doesn’t happen and the burden of maintaining a correct report becomes the consumers own responsibility. That is where Credit Genius’ expertise comes in. We will help you exercise your rights to dispute any inaccuracies reported to the CRAs.

Statistics from a CRA survey:
• Twenty-nine percent (29%) of the credit reports contained serious errors - false delinquencies or accounts that did not belong to the consumer - that could result in the denial of credit;
• Forty-one percent (41%) of the credit reports contained personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
• Twenty percent (20%) of the credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer;
• Twenty-six percent (26%) of the credit reports contained credit accounts that had been closed by the consumer but incorrectly remained listed as open;
• Altogether, 70% of the credit reports contained either serious errors or other mistakes of some kind.

CONSUMER CREDIT “BILL OF RIGHTS”
RIGHT 1: The right to view your credit report.

RIGHT 2: The right to know who has inquired about your credit.

RIGHT 3: The right to request verification of information you believe is incorrect.

RIGHT 4: The right to insert missing data into your credit file.

RIGHT 5: The right to automatically remove information from your credit report
that is over seven years old (10 for bankruptcy).
RIGHT 6: The right to place your personal statement in your credit report.

RIGHT 7: The right to privacy of the information in your credit report from anyone other than legitimate members of credit reporting agency.

RIGHT 8: The right to have your credit report transferred from one area to another any time you relocate.

RIGHT 9: The right to use the small claims court system to resolve any disputes with the credit bureaus about incorrect or inaccurate information in your credit report.

RIGHT 10: The right to know exactly why you were refused credit.

TAKE ACTION NOW TO EXERCISE YOUR CREDIT RIGHTS BY APPLYING ONLINE OR CALLING 954-725-0900.

The Credit Genius promise to you:

It is important to understand there are no guarantees involved with any legal services. Just like in a court of law, an attorney could never guarantee a client that the judge or jury would find in their favor. In fact, any credit repair company that guarantees success is probably not being honest with you. Credit Genius can promise its good name as an assurance that your case will be handled responsibly and professionally at all times. The greatest compliment for us is a client referral. The staff of Credit Genius would like to say “thank-you” to all our previous clients and the referrals they have sent to us.