Good question! In credit repair material, the first thing most people want to know whether or not they can get negative items on their credit report removed. Credit repair is a good option if you have derogatory items on your report that can be easily challenged or deleted. However, if the defaults are not a mistake they can not be removed and can stay on your credit report for up to 7 years (for payments overdue credit card or missed and loans) or even up to 10 years (bankruptcies and accounts that have been turned over to collection agencies).
Getting a deleted item from your credit report may be made by filing a case against the negative element that credit bureaus then have 30 days to authenticate under the rules of the Fair Credit Reporting Act (FCRA). If they can not authenticate the information, it must be removed from your credit report. credit repair services use these rules to challenge negative information on your credit report in the hope of getting away. It is important to remember that because the credit report of each person is different, the credit repair works differently from one person to another.
do credit repair could be the stage for you? Check our credit repair review for an in-depth look at what the different services have to offer.