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Fake credit cards that work were once available to anyone with a valid credit card. But thanks to the new regulations and legislation passed by the Federal Trade Commission, not only are these types of accounts no longer legal, but they can even have negative effects on your credit score. This might sound ironic, but it's true. The new law prohibits any company from asking for upfront fees from consumers. So how does this affect you if you are seeking a way to repair your credit?

Legitimate companies still exist and will still give you legitimate services. They don't have to worry about fake credit cards that work because their clients can't get theirs. They will still report your good debts to the credit bureaus as well. All they really care about is making sure that you pay back your debts in a timely manner. Even though this means that you will have to pay more for their services, it will be much cheaper than going without credit.

You can use a service like this to pull your credit and get copies of all of your reports at once. You can then go over these reports with a fine tooth comb looking for any accounts that you don't recognize on there. If you see an account that you believe may be fake, you can report it to the credit bureaus. This is the same procedure as if you had a legitimate credit card.

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After you've sent them a letter to dispute the account, hopefully they will act accordingly. Then, you can dispute the account again with another letter. It may take a while to get them to remove it, or it may end up being deleted completely. But if you're diligent, you should be able to find and report the bogus credit card, and make the necessary corrections to your credit report.

Sometimes this process is very difficult or even impossible. This is where a service like Transunion comes in handy. Since they are a nationwide company, they have access to every credit record in the country. You can dispute an account anywhere, and since they have nationwide access, they will find the fraudulent activity. But it can be frustrating, since you usually have to send the dispute by mail.

There are other services that also give you the ability to pull your report online. One of these services is Equifax, which has good customer service. Most people prefer to use this service, because it gives them instant access to their credit file. The good news is that most of the major credit reporting agencies have these types of services available as well.

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When you use one of these services to pull your report, you may notice that there are dozens or even hundreds of different accounts listed. This is because there are many companies that are listing false information on their sites. While these fake credit cards that work really well are not all that common, they do happen. And it is up to you to make sure that everything on your report is correct.

Also note that if you have applied for a loan recently, and were denied, then the lender may have reported inaccurate information on your credit history. It may have said that you had maxed out your credit cards, when you actually had not. This is something that you can check with any credit agency and make sure that everything is accurate. Also note that if there are any debts on your report that you did not add yourself, these debts will also be removed. This is due to credit reporting agencies having to do some kind of collection action on your behalf to make sure that you are not going to be a repeat offender.

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