How It Works
Deleting bad credit is not as difficult as it sounds, in fact the truth is you can do it for yourself, but unless you know who to contact or exactly what to say to them, you probably won't get very good results.
You see in order to put something on your credit report your creditors must follow a law called the Consumer reporting Act. This law was passed to protect your rights and make sure that all the information that is being reported to the credit bureaus about you is accurate and verifiable. If the creditors (VISA or Sears for example) do not follow this law when they report negative information about you, they could be liable for a major lawsuit.
What we do is challenge these creditors to prove that they followed the law and protected your rights when reporting negative information about you. If they did not follow this law correctly (most of the time they don't) then they must delete the negative items or face a lawsuit. None of these companies want to go to court because they know they are not reporting the information correctly. It doesn't cost them anything to delete these items off your credit report but it could cost them thousands of dollars in court fees if they don't.
Whether or not you really missed a payment on your loan, filed Bankruptcy, or had a Civil Judgment put on your credit isn't an issue. What matters to the credit bureaus and to us is whether or not the information was reported according to the Consumer Reporting Act. If it wasn't reported correctly then it must be removed, period.
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