Can you find American Fair Credit Association?

Answer 1

America fair credit asso.com

Answer 2

American Fair Credit Association
2000 S Colorado Blvd
Tower One, Ste. 3300
Denver, CO 80222

It looks like they have some complaints about them, so be careful.

Answer 3

I would not suggesting entering into any contract with a debt relief agency like American Fair Credit Association to help you repair your credit. This can be done on your own. There are some bad reports from people who used AFCA which you can view on the internet by doing a search. There are claims charged against them on ripoffreport.com and class action law suits against them.

Read this regarding class action lawsuit:
http://www.classcounsel.com/news/afca.html

Here is a report on them from Rip Off Report
http://www.ripoffreport.com/reports/ripoff29352.htm

Here is American Fair Credit Association website link below, but all it is is a business card page. They have so many strikes against them. I hope you haven't been taken by them. Read my additional information below for more help.
http://www.americanfaircredit.com/

If you want to find information on the law "Fair Credit Reporting Act", here is some information for you below.

The Fair Credit Reporting Act is a federal law that regulates credit reporting companies. The purpose of the act is to ensure “accuracy and fairness of credit reporting.” A lot of things, including the banking system, a debtor’s credit worthiness and capacity, consumer privacy, and creditor decisions on general consumer reputations are dependent on this Act.

How Does This Law Benefit?
These consumer reporting agencies disperse information if or when required by court order, requested by the individual consumer. The information can also be requested by a creditor or some other entity who may want to learn about the credit worthiness of a particular debtor; either with the intent of lending a debt, employment or setting up some type of a business relationship.

The debtor has the right to ask for a copy of their credit report at any point of time. This can be done by mail or phone.

What is Fair Credit Reporting Act?
“The purpose of this [act] is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this [act].”

The primary purpose of the Fair Credit Reporting Act is to ensure fairness and accuracy of credit reporting, and that the procedures followed are reasonable.

Under the Fair Credit Reporting Act:
*If denied credit, insurance or employment on the basis of your credit report, you may ask the creditor for name and address of the reporting agency, and contact then within 60 days of receiving denial notice to get a free copy of your credit report.
*A credit reporting agency cannot give out information to employers, and certain other information of a specific nature, such as reports that contain medical information, without your consent.
*You can dispute completeness and accuracy of information in your file.
*Derogatory information that is outdated cannot be reported.
*You can seek damages from a reporting agency in a case where they violate the Fair Credit Reporting Act.
*You can request for your name to be removed from the list of reporting agencies. (But keep in mind that once you are off the list, you have to be off it for two years.)

How Do I Contact A Credit Reporting Agency?
There are primarily three national credit bureaus that supply credit reports; Experian, Equifax and Trans Union. It is important to realize that each of the credit reporting agencies sometimes have different information on your credit file. Therefore, when working to clean up your credit report, it is important to check all three credit reporting agencies.

Links for the three credit bureaus are:

Experian
http://www.experian.com/

Equifax
http://www.equifax.com/

TransUnion
http://www.transunion.com/

You can repair your credit on your own if you are wanting information on how to do that. There is no need to pay a company to do this for you. If you would like more information on this, there have been a few questions asked on Y! Answers. Here is the link to one of them:

http://answers.yahoo.com/question/index;_ylt=Ask_1Y8nxCxb1VHhNkMeKVbsy6IX?qid=20060909120951AAQIne8

I hope this information is of help to you. My very best wishes to you.

Answer 4

Yep.