• make false claims about their services
   
• charge you until they have completed the promised services
   
• perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees

• the payment terms for services, including their total cost
   
• a detailed description of the services to be performed
   
• how long it will take to achieve the results
   
• any guarantees they offer
   
• the company’s name and business address

1. Order credit reports.
    
2. Check for discrepancies.
    
3. Note problems and discrepancies in your Credit Dispute Log.
    
4. Contact 'disputed' companies by telephone. (Contact original debtors, not collectors.) Log the telephone call with a brief summary of agreements. Remember to record the name of the contact representative.
    
5. Follow up with certified letter to original company.
    
6. Write letters to collectors, dispute bill, send documentation of payment to original company.
    
7. Fill out dispute form provided by credit bureau.
    
8. Write separate letter for each disputed item to credit bureaus. Send letters by certified mail. Enclose copies of supporting documentation.
    
9. Use the number provided by the credit bureau and call for progress; have your reference number handy.
    
10. Keep comprehensive records in your Credit File.

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