Credit

We have given many tips on how to improve your credit – but for those who want quick results we suggest that you go straight to the source and repair it instead. Repairing your credit means that you need to go straight to the source. You have two choices; you can either hire a lawyer or ‘credit repair’ agent to fix it for you or you can do it yourself. We think that you should opt to do it yourself because many people have been scammed out of thousands of dollars.

Here are a few tips to know what you need to do in order to get something completely wiped off your record. These are tips that most people never know about:

1. Each item on your credit report must be proven or it cannot remain in the report. If the credit bureau cannot verify the item when investigated, it must be removed from your file whether or not it’s true.

2. Every negative entry on your report can be denied or challenged at any time. The bureau must reinvestigate and if that item cannot be verified within a “reasonable amount of time”, it must be removed from the file.

3. Items when challenged can be mistakenly erased. Consumers say they often experience computer operator mistakes.

4. Many times the creditor does not re-verify in time or the credit bureau is busy and does not handle your dispute properly. It must then be deleted.

5. The older an item, the more difficult re-verification is. It is possible it cannot be verified because records may no longer exist after 1 or 2 years.