The Fair Credit Reporting Act Protects Consumers
Beware of credit repair companies. Many of them use really sleazy tactics that provide temporary removal of negative items. These items usually reappear on your credit report after they are removed. Why? Because under the law, the Fair Credit Reporting Act, if the credit bureau cannot confirm the accuracy of an item appearing on your credit report within 30 days, it must remove it. Sometimes, they cannot do so in that time frame. However, when the item is ultimately confirmed as accurate, it’s reinserted into your credit report. This is not a legally sound method of disputing items. We, on the other hand, only use legally sound methods for attacking negative items on credit reports and back it up with litigation if the credit bureaus fail to remove the incorrectly reporting negative item. This way, once it comes off your credit report, it stays off of your credit report. Best of all, we charge you nothing out of pocket for our services.