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Credit Repair - How Do I Repair My Credit? Is Credit Repair Legal?
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 What is Credit Repair? Credit repair is the process of questioning the information found on your credit report with the intention of improving your credit scores. Anything found on your credit can be challenged or questioned - even accurate information. Items that you want to question are negative items and errors. To question items found on your report you will have to write letters specifically written to the credit bureaus about the negative information or items. The process typically takes 3-6 months. We have some guidelines on how to do it. Visit the following article named The Basic Steps to Credit Repair to find out more information.
Is Credit Repair Legal? Yes. It is completely legal to fix your credit. There are two ways to fix your credit report: you do it yourself or you hire a professional repair company to do it.
For more information check out the article What is Credit Repair?
Here is a brief list of items to look at when repairing your credit report:
- Charged-off accounts, late payments, collection accounts or other items that are negative that are not yours.
- Inaccurate credit limits such as ones that show lower than they actually are.
- Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
- Accounts that were discharged in a bankruptcy that are still listed as unpaid should be updated to reflect "discharged in bankruptcy".
- Old items from a lender that has merged with another company. Often these mergers result in the new company having a tough time locating your records.
Again, for additional information on repairing your own credit, visit the article: The Basic Steps to Credit Repair.
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