Bad Credit Repair Help In Oklahoma

Aug. 16, 2013 - PRLog -- A consumer's credit report contains information about where they live, how they pay their bills, and whether they have been sued, arrested, or have filed for bankruptcy. These creditors use this information to evaluate a consumer's application for credit, insurance, employment, or renting a home.

If you were denied a loan or credit card when a lender used a credit bureau to evaluate your application, then your credit probably needs a little "sprucing" up.

Consumers living in Oklahoma that are in need of help repairing their credit can get free on-line advice from the free consumer organization "Bad Credit MD". They provide valuable information and tools to help consumers increase their credit score at http://www.badcreditmd.com/repairing-bad-credit/.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy of information contained in the files of the nation’s credit reporting companies. It is vital that a consumer check their credit report yearly to make sure the information is accurate, complete, and up-to-date before they apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

A consumer should also check their credit report yearly to help guard against identity theft. That is when someone uses their personal information such as their name, Social Security number, or credit card number to commit fraud. 

Under the federal Fair Credit Reporting Act (FCRA), both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about the consumer to a credit reporting company) are responsible for correcting inaccurate or incomplete information in their report. 

Consumers are entitled to a free credit report if a company takes adverse action against them, such as denying theirr application for credit, insurance, or employment, based on information in their report. They must ask for their credit report within 60 days of receiving notice of the action. The notice will give them the name, address, and phone number of the credit reporting company.

Consumers are also entitled to one free credit report a year, and/or if they are unemployed and plan to look for a job within 60 days, and/or if they are on welfare, and/or if their credit report is inaccurate because of fraud, including identity theft.

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Bad Credit MD, is a free nationwide On-line consumer information guide located at http;//www.badcreditmd.com that helps people across the United States, including the cities of Oklahoma City, Tulsa, Norman, Broken Arrow, Lawton, Edmond, Moore, Midwest City, Enid, Stillwater, Muskogee, Bartlesville, Shawnee, Owasso, Ponca City, Ardmore, Duncan, Yukon, Del City, Bixby, Sapulpa, Altus, Bethany, Sand Springs, Claremore, McAlester, Mustang, Jenks, Ada, El Reno, Chickasha, Durant, Tahlequah, Miami, Okmulgee, Woodward, Elk City, Guymon, Choctaw, Weatherford, Glenpool, Guthrie, Warr Acres, Coweta, Pryor Creek, Clinton, The Village, Sallisaw, Poteau and Wagoner in Oklahoma.

Bad Credit MD has been in business helping consumers with bad credit obtain credit cards, loans, mortgages, repair credit, free credit reports and informing them on their rights against brutal debt collectors since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.