Credit repair companies are on the rise with the sudden surge of unpaid debt Americans are amassing on a daily basis, and their advertising of services is increasing. Many credit repair companies offer to help improve or fix your credit history for a fee – sometimes affordable, but more often than not, for astronomical rates.
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This topic is not meant to scare people, but it is a reality check about the safety of your life savings when the funds are held in a US bank.
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Since 2005, hackers and thieves have stolen more that 140 million credit card numbers, which resulted in $67 billion in annual losses. Credit card fraud and identity theft are running rampant and will probably only get worse with the troubled worldwide economy.
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In the USA you are legally entitled to receive a free copy of your credit report once per year from each of the three major credit reporting agencies. If you want a copy more often than that, you will probably have to pay for the copies from each of the three credit reporting agencies.
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