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Business Profile

Credit Repair Services

Right Now Credit Repair

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Repair Services.

About

Important information

  • Additional Info:
    Credit Repair Organizations Act

    This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of "credit repair" services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights.

    https://www.ftc.gov/enforcement/statutes/credit-repair-organizations-act

About This Business

Products and Services

Right Now Credit Repair appears to offer credit repair services. BBB Tip: Credit Repair and Debt Relief Scams Overwhelming debt can make you desperate and reckless. Don't fall for scams promising you impossible services to help with your credit and debt problems. Credit Repair and Debt Relief Scams: In this con, scammers promise to repair your credit or eliminate your debt... for a fee. They entice you with guarantees, such as a particular credit score increase or debt forgiveness, and charge upfront for their "services." If you pay up, scammers either take the money and disappear, or fail to deliver all they promised. How the Scam Works: Scammers offering credit repair and debt relief services reach you in a variety of ways: online advertising, social media, or even calling directly. But no matter how they find you, their message is the same: For an upfront fee they can "guarantee" to raise your credit score and/or reduce or eliminate your debt. These companies frequently promise - and charge for - impossible services. This includes removing past credit mistakes, such as late payments or a bankruptcy, from your credit report. They may offer to give you a new "credit identity" or negotiate with the lender or credit card company to completely eliminate the debt. How to Spot This Scam: Advance fees are a concern. Not all businesses promising to help you repair bad credit are scams, but if you are asked to pay in advance, that's a big red flag. In both the U.S. and Canada, credit repair and debt relief companies can only collect their fee after they perform the services promised. Do not believe guarantees. Nobody can guarantee to make debt go away or improve your credit score. In fact, they can't promise you anything before they have even reviewed your personal financial situation. Beware the big promise. Other red flags are big promises, such as removing negative information from your credit report, or urging you to get a new identity or apply for an Employer Identification Number to use instead of your Social Security number (that's a crime, by the way). No contract or one that is vague is another warning sign. Beware of companies that: Guarantee that they can erase bad credit. No one can legally remove accurate and timely negative information from a credit report Do not tell you your legal rights and what you can do for free. By law, credit repair organizations must provide a copy of the "Consumer Credit File Rights Under State and Federal Law." This one-page document outlines the consumer's rights in disputing inaccurate information on their credit report, and also addresses consumers' rights in dealing with credit repair companies. Three Day Cooling Off Period. Consumers have the right to cancel a contract with any credit repair organization for any reason within three business days from the date the contract was signed. Recommend that you not contact a credit bureau directly. Want you to pay up front for credit repair services. Advise you to dispute all information in your credit report Offer to help you secure a new Social Security Number (SSN). It's nearly impossible to get a new SSN. Create a new credit identity for you by obtaining a federal employer identification number to use instead of a social security number. This is illegal. Offer to let you piggyback on other consumer's good credit. Doing so can actually make you liable for loan fraud. Source: bbb.org. Be sure that the company provides a written contract that clearly states the terms of the contract, plus your rights and obligations. Read it carefully before signing. Remember, everyone is entitled to a free copy of their report from all three credit reporting bureaus every year or if they have been denied credit within the last 30 days. To check your credit report go to: www.AnnualCreditReport.com. Consumers can also request a review of information in their file that they feel is inaccurate or incomplete, for which there is no charge. Questionable Credit Repair Offers: You have seen plenty of ads full of promises like these: "Credit problems? No problem!" "We can erase your bad credit--100% guaranteed." "Create a new credit identity legally." "We can remove bankruptcies, liens, judgments and bad loans from your credit file forever!" Unfortunately, these companies cannot live up to their promises. Even after you pay hundreds or thousands of dollars in up-front fees, your credit will be no better. No one can remove correct information from your credit report, even if it negatively reflects on you. It is illegal and a misdemeanor to operate a credit-repair services company of this type under Georgia law. If you decide to respond to a credit repair offer, beware of companies that: Want you to pay for services up front; Do not tell you your legal rights or what you can do for yourself at no cost; Recommend that you not contact the credit bureaus directly; Suggest you get new credit by using someone else's Social Security number or by applying for an Employer Identification Number; or Advise you to dispute all information on your credit report.

Business Details

BBB File Opened:
4/17/2020
Alternate Names:
Right Now Credit Repairs & Services
RNCR Consulting LLC

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Credit Repair Services

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