How Credit Repair Works
§Federal law states that consumers have the right to fair and accurate credit reporting.
(FCRA) The Fair Credit Reporting Act gives consumers the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.
Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports can be improved. For items that are not in error, if a creditor is unable to find the original records or signed documents within the allotted time, the item must be removed.
Sometimes the creditor will claim that the item has been verified but not offer proof. It is our job to prepare documents that challenge this information. Remember, if an item cannot be verified, it must be removed.