Questions about the Credit Repair Report Service

What can a credit repair report service do legally?

The consumer has legal right regarding the information that is reported to and stored by the credit bureaus. There are legal techniques for repairing poor credit; a credit report repair service helps consumers take full advantage of their legal rights.

What are the legal techniques for repairing poor credit?

If any information on your credit report is inaccurate, out-dated, unverifiable or misleading, you can dispute this information. A credit repair report service can help you if you do not have the time or the know-how to do it yourself.

Is establishing “good credit” effective for repairing poor credit?

While establishing good credit is always a good idea, even if that means obtaining a secured credit card, “good credit” does not outweigh “bad credit”. Most lenders look at your overall credit score, many evaluations are done by computer, so if you credit score is below a certain number you may not qualify for lower interest rates, or you may be denied credit completely. A reputable credit repair report service should evaluate your individual situation, before promising results.

Where do I find information about repairing poor credit on my own?

The first place to visit is At this website consumers can view and print copies or their credit reports from the three major credit bureaus. Even those people who are not concerned about repairing poor credit should review the information on their credit reports on a yearly basis. The major credit bureaus are required to provide you with one free copy per 12 month period. If you choose to hire a credit repair report service, you will still need copies of your credit reports.

Is repairing poor credit possible if I still have outstanding debts?

You can negotiate with creditors, asking them to remove the negative information once the debt is paid. But, if you have negative items removed and the debt is still owed, the creditor may just report the information again. A reputable credit repair report service will not recommend that you try to have items removed from your credit reports which are accurate, only that information which is inaccurate, misleading, unverifiable or out-dated.

Is repairing poor credit possible after declaring bankruptcy?

Lawyers that offer credit repair report service say that repairing poor credit after bankruptcy is possible. They say that it is sometimes easier to have information about bankruptcies removed from your credit report than other information. If you have a past bankruptcy, successfully repairing poor credit may require the help of a law firm that specializes in credit report repair. They can usually offer more help than other credit repair specialists and credit counselors.

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