Many people think credit repair is illegal or don’t think there is any way to remove negative items from a credit report.

The TRUTH is that the Credit Reporting Agencies (CRA’s), Trans Union, Equifax, and Experian violate the law a lot. So much so, that up to 79% of all credit reports contain errors.
To protect consumers, the Fair Credit Reporting Act (FCRA) was made federal law in 1970 with some powerful provisions!

It is a common misconception among creditors and consumers that once an item is on a credit report, it must remain for 7-10 years. That is certainly not the case. If the creditors or the CRA’s cannot prove negative items to be 100% accurate, 100% Verifiable, or report the item within the allowable reporting period; they MUST DELETE the negative item!

There is no law requiring a negative item to remain on your credit report for ANY length of time. The law only stipulates that the negative items may NOT stay on your report any longer than an allotted time (7 years for a 90 day late, for example).

Yes! You can have your credit repaired quickly and legally!