How Do I Remove Negative Credit Items? 

The purpose of a credit repair company is first and foremost to increase your credit score.  But how do they go about doing this?  No one can legally make your accurate bad credit items disappear.  Unfortunately inaccuracies do happen and they can negatively affect your credit rating.  Here’s the thing though, inaccurate items can be removed.  Here we will go over how to remove these items and increase your credit score. 

The Fair Credit Reporting Act (FCRA) is in place to protect you.  It places requirements on creditors who report to Equifax, Experion, and Transunion.  All creditors are required report accurate credit information.  They are required to investigate and resolve disputes and to correct any information that is wrong.  Does this mean they catch all errors or double check every charge?  Well no, they process millions of transactions every day, and errors do happen. 

The creditor doesn’t review every item for accuracy.  It’s your job, or your credit repair agency’s job to find inaccurate items and dispute them. 

After you receive and review your credit report locate any inaccurate items.  It could be a bill that is reported late that was paid on time, false charges, or payments you made that were reported as missed.  These are just a few examples of the variety of errors that could negatively affect you credit score. 

At this point you’ll need to contact the creditor of the account with your disputes.  As a general rule the creditor should resolve the dispute within 30 days, with a 15 day extension if addition information requires more time.  Be aware that this process can take longer.  If they cannot validate the item it must be removed and the change must be reported to the credit agencies. 

Basically a credit repair company steps in place of you.  They will find, write, file, and follow up on your credit disputes.  If you have just a few errors it can be handled pretty easily on your own.  If you are dealing with multiple accounts and creditors it can become very time consuming and frustrating. 

So take a good look at your credit report.  It will become pretty obvious whether you want to handle the disputes yourself or if a professional credit repair service would best suit your needs.  We hope you achieve the credit score you deserve.