Credit Repair is More Than a Right, It’s Your Responsibility
The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.
Most Americans want to believe the credit reporting system works; that people earn their bad credit and there is nothing they can do about it but wait for seven years. But study after study shows the credit reporting system frequently does not work. This is why the Fair Credit Reporting Act and other consumer protection legislation give you the right to do something about it – the right to make sure your credit score is as good as it can be.
So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? It certainly can’t be because they don’t understand the importance of a high credit score. After all, it doesn’t take a genius to figure out the benefits of a good credit score when it can be the difference between paying $2,500/month and $2,000/month for the exact same house.
More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn’t be further from the truth.
The credit bureaus at the center of the credit reporting system are not official organizations. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.
So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn’t end up on your credit reports?
The answer to both of these questions is: they don’t. Your creditors report information, the credit bureaus record it, and for most people, the story ends there.
Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports – and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.
Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you.
It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.
Whether you attempt to repair your credit on your own or with the help of a credit repair expert, by taking an active role in the credit reporting system, you can ensure your credit score is as good as it can be and that you have the advantage over the millions of people out there with bad credit who haven’t taken action to do anything about it.
104Inc.com
http://www.articlesbase.com/news-and-society-articles/credit-repair-is-more-than-a-right-its-your-responsibility-722113.html
What are my rights regarding Acer?
This is long, so please bear with me.
Last year (roughly September) the charger pin on my Acer Extensa 5220 moved. I took it to my Acer approved retailer, where I brought the laptop from and he sent it to Acer for repair, under my warranty. The first time it came back, it turned out rather than move the charger pin back into place, they had replaced my perfectly fine motherboard so it had to be sent back for the real repair.
This time, they must have lost my laptop, as for three months, it stayed at their repair centre. They denied having it and then denied that I had even brought a laptop from them causing me to miss two coursework deadlines for A-Levels and lose important contact details for many people for three months. When it came back eventually they had finally fixed the charger pin.
Since then I was extremely careful as I had no wish to send my laptop back to Acer, however in January this year the charger pin moved again. I have a 3 year extended warranty including accidental damage, so it should have been repaired under warranty and when I logged the case on the Acer UK warranty website it never said there was a problem with my warranty.
So I sent it off, they then rang me to inform me that my warranty was not in place and it would cost me to have it fixed, so I asked for them to send it back to me whilst I contacted customer services to sort out my warranty, and I was informed it would cost me £65 to send it back because it had ended up in Northern Ireland.
Apparently using http://www.acerwarranty.co.uk/ which clearly states that "This system is for Ireland, Northern Ireland and Mainland UK " sends your laptop to Northern Ireland without telling you, so then they can get more money out of you.
I refused to pay the £65 and asked them to keep hold of my laptop until my warranty was sorted, which they agreed to.
I rang customer services and everything was sorted, but I was informed it would take until June for my accidental cover to come back into play, which I accepted and I was told my laptop would be held until June when it could be repaired.
Towards the end of June I rang to find out when it would be sent back and I was informed it still hadn’t been repaired due to the warranty, which WAS sorted, so I gave in, paid them the money and asked them to send my laptop back with the intention of taking it to be fixed and the local computer shop.
It still hadn’t arrived by mid July so I rang two days ago and was reliably informed that after 3 months of a laptop being with them and no contact with the owner they destroy the laptop.
They are supposed to send a letter or call you asking for permission, but I received no letter and no phone call and now I’m stuck.
They are blaming me for my laptop being destroyed, and refuse to accept fault even though I was told by acer warranty and acer customer services that it would be okay for my laptop to stay with them until my accidental cover kicked in.
It’s not even the laptop as a whole that bothers me, it’s my hard drive, I have baby photos of my daughter on there, emails from my dad on there, stuff they can’t replace with an apology are on that hard drive and I want it back.
I owed them no money and brought the laptop without using credit etc, the laptop was legally MINE and in my eyes I’m sure they had no right to destroy it without my permission.
What are my rights now I have no laptop and they’re refusing to accept responsibility?
I should add, if they destroy laptops after three months of no contact, and my last contact with Acer was in January, when they confirmed my laptop would be safe, that would mean my laptop was destroyed in April.
Would I be within my rights to talk to a lawyer about fraud?
As obviously they must have known my laptop had been destroyed when they took my money.
I did not read your long question but when I saw Acer had to respond. I have owned two Acers and they did not last long. My longest lasting one has been a Compaq that has suffered all kinds of abuse but is like a Timex watch, takes a licking and keeps on ticking. I will never by an Acer again.
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Wow.
You should talk to a lawyer firm.
You could potentially get a lot of compensation for that. £5000+
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Wow, what an incredible story!!
I find it difficult to believe that a company, any company, could treat their client that way and remain in business.
In order to get this thing resolved, you need to escalate the matter by going to more and more influential people within Acer’s organization. Talking to low-level customer service reps is only going to infuriate you.
I believe that Acer should provide you with a new laptop free of charge.
Let them know that you feel cheated and that people that hear your story aren’t likely to buy anything Acer. I for one would never, ever buy Acer just because of what you’ve gone through.
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The last time I had dealings with a provincial solicitor (4 years ago) she was charging £115 PER HOUR for her services. I would maybe contact your local Citizens Advice Bureau to see what they recommend first. Otherwise maybe you can try to find a solicitor who would give you half an hour for free just to see if you have a winnable case.
If you win you should be able to reclaim your legal costs from Acer anyway.
Look on the web for info on the Small Claims Court as well. That’s what it’s there for.
Good luck!
Afterthought. – Also make sure you have as much hardcopy proof as possible to back up the assertions that you will make!
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