Why credit report repair?
In the court system, you are presumed innocent until proven guilty. However, in the credit system, it may feel as though you are guilty until you prove your innocence.
Thankfully, the law gives you the right to dispute any negative items on your credit history on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable (questionable items). If a credit bureau can’t verify the accuracy of a disputed listing, then it must be removed from your credit report.
The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law.
Why act now?
As lending options for consumers with poor credit continue to decrease, having a healthy credit score has never been more important. When you consider that the only alternative is waiting ten years for credit problems to go away, there’s no better time to act than the present.
You have an incredible array of rights when it comes to improving your credit, but you must take action on those rights to make them work for you.