Do credit restoration services really work and how long does it normally take?
Avoid the temptation to pay a “credit repair” firm, as they cannot remove accurate negative info. If you’ve had recent defaults, charge-offs, late pays, then you need to understand this items have to age of your credit report naturally. After 7 years from the date of default you’ll get a clean slate. “Credit repair” firms have no special power to magically delete negative items….all they do is dispute all negative items on your credit report and hope that the credit bureaus cannot validate the debt within the 30 day allowable time frame, in which case they must remove the items. You don’t have to pay anyone to do this as you can do it yourself for free. First, pull your credit report at: https://www.annualcreditreport.com/ This is the real free site Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) with
