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State law enforcement officials may be helpful if youve lost money to canada free credit report Colorado credit repair scams.

Dont be embarrassed canada free credit report Colorado to report a problem with a credit repair company.

While you may fear that contacting the government could make your problems worse, remember that laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines; check the Blue canada free credit report Colorado Pages of your telephone directory for the phone number or www.naag.org for a list of state attorneys general. Just because you have a poor credit report doesnt mean you cant get credit. Creditors set their own standards, canada free credit report Colorado and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.

If youre not disciplined enough to create a workable budget and canada free credit report Colorado stick to it, to work out canada free credit report Colorado a repayment plan with your creditors, or canada free credit report Colorado to keep track of your mounting bills, you might consider contacting a credit counseling organization. Many credit counseling organizations canada free credit report Colorado are nonprofit and work with you to solve your financial problems. credit bureau check But remember canada free credit report Colorado that nonprofit status doesnt guarantee free, affordable, or even legitimate services.

In fact, canada free credit report Colorado some credit counseling organizations even some that claim non-profit status may charge high fees or hide their fees by pressuring canada free credit report Colorado consumers to make voluntary contributions that only cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit canada free credit report Colorado credit counseling programs. Your financial institution, canada free credit report Colorado local consumer protection agency, and friends and canada free credit report Colorado family also may be good sources of information and referrals. If you are considering filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for canada free credit report Colorado bankruptcy relief. credit report with You can find a state-by-state canada free credit report Colorado list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Department of Justice that supervises canada free credit report Colorado bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but do not appear on the list of approved organizations. Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt canada free credit report Colorado management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial canada free credit report Colorado counseling session typically lasts an hour, with an offer of follow-up sessions. Regardless of your credit history, financial advisors and consumer advocates recommend reviewing your credit report periodically for three important reasons: To learn how to improve your credit worthiness and find legitimate resources for low or no-cost help, please see the canada free credit report Colorado following publications at ftc.gov/credit. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. get credit report online Watcha video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaintsinto the Consumer canada free credit report Colorado Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. It is understandable canada free credit report Colorado that no matter how useful a canada free credit report Colorado computer would be for home or home business use, that the one time canada free credit report Colorado big expense of a new computer just might not be possible for some people.