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We’ve found that most negative items do not meet the criteria set by federal law to be reported in the first place! The fact is, since most creditors don’t keep proper records and key documents on file, they are making illegal reports!

Our system checks each negative items against this criteria and once an error is established, we DEMAND the item to be removed! Credit reporting agencies are then required by law to remove the item-- Thanks to the FAIR CREDIT REPORTING ACT.

SIMPLE?  YES!  EASY? NO WAY!

That is why we are here. We know the hassle of fixing your credit yourself can be more than most people care to handle. So we handle the hassle for you. We have years of industry experience. We know the laws. We know who to talk to and what to say to get the results you need.

OF COURSE YOU CAN TRY IT  YOURSELF FOR FREE BUT - WHY RISK GOING IT ALONE?

Did you know?

TIP 1:

The law does not require a creditor to produce documentation when reporting something to your credit file.

Only if the item is questioned and checked does the creditors have to prove they are legally reporting derogatory information about you.

TIP 2:

Federal law allows negative items to be reported up to 7 years, not a minimum of 7 years.  Big difference!

Tip 3:

It does not matter if the bill was paid or unpaid -  by law, illegal reporting has to be deleted.