So, what exactly is Legal Credit Repair?
Legal Credit Repair consists of removing the negative items on a credit report. There are a few different methods of going about this, the most common and effective are: “Goodwill” Negotiation Negotiating directly with creditors and asking them to “please” remove negative items from your credit reports is a viable method of credit repair for mild late-pay accounts. There are no laws that require that negative items stay on your reports for any amount of time, and creditors have the ability to simply remove these items if they see that it could somehow work to their benefit, even if that simply means a pleased customer. Credit Disputation The Fair Credit Reporting Act gives you the right to contact credit bureaus directly and dispute items on your credit reports. Just as in a court of law, you have the right to plead “not guilty” to negative information on your credit reports, and leave the burden of proof to the credit bureaus. You can dispute any and all items on your credit reports t
Related Questions
- What happens if new, negative information - information that was not on my original report - is added to my report after Advanced Credit Repair has begun work on my behalf?
- What is the Advanced Credit Repair definition of "clearing up" a consumers credit report or improving their credit profile?
- Can Advanced Credit Repair demand that information be removed from a credit report which I have gotten from a merchant?
