Great question. The simple answer to this question is that it varies. First, it is important to understand that credit repair companies can do for you and the process they go through to remove errors from your credit report.
How credit repair services credit report errors Delete
If you have derogatory items on your credit report that you believe to be wrong or questionable, a repair company credit will help you decide which items to dispute. It is important to realize that if an item is not a mistake - as a closed account or a late payment - it can not be erased and can stay on your credit report for up to 7 years (for the late or missed credit card and loan payments) or even up to 10 years (bankruptcies and accounts that have been turned over to collection agencies).
Once an agreement on the elements to prosecute was made, the company will start the dispute process with the credit bureaus. When disputing derogatory items on your credit report, credit repair companies will file the necessary documents with the three credit bureaus that clearly dispute the negative information in your credit report. Each credit bureau then has 30 days to investigate and authenticate the negative information with the credit companies. If they can not authenticate the information, it must be removed from your credit report.
How long does it take to remove errors
This process may take more than 30 days, so be prepared to wait. Each credit report is different, so each requires a different approach. Remember also that there is no guarantee elements can be removed or that your credit score will be raised further to question the contents of your report. The great thing about working with a credit repair service is they take the hassle of sending dispute letters and work with the credit bureaus to dispute information on your report that does not respect the lines federal guidelines on your hands. For more information on credit repair services can offer, visit our Credit Repair feedback page.