Credit Repair
Many credit reports contain errors leading to a lower credit score or bad credit. Its time to clean up your credit. A credit repair company can help, but you can also do it yourself.
Credit repair services can charge 1) monthly 2) charge a per-item charge to dispute an item 3) when negative credit items are deleted from your credit report(s). For one item to be disputed or removed from all 3 credit bureaus, there could be three charges.
They may not be able to remove anything if they are all valid accounts owed. You still may be charged for trying.
This is something you can do yourself, if you take the time to go through the dispute process.
Remember, if your credit is damaged, it will take time to improve it. Removing errors, paying off credit balances, and paying bills on time, will over time heal your situation.
| Quick Credit FAQ |
| Up to 60% of people who check their free credit report find errors. |
| Credit Professionals recommend a credit check at least 2x yearly. |
| You may obtain a free credit check if you've been denied credit in the last 60 days or once annually. |
| There are 3 credit bureaus which collect information from major creditors. Equifax, TransUnion, Experian. |
| Your credit report lists all the accounts and payment history for the last two years; liens and judgements for 7 years; bankruptcy 10 years. |
| From your information a credit score is calculated. Credit Scores range from about 400-820. A score of 700 or above is very good. |
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