Can I really fix my credit?

Post by Lingxiao Li
Of course you can! Many of our readers (even yours truly) have cleared up a few blemishes on their reports. And by the way: everything a credit repair clinic can do for you, you can do for yourself at little or no cost. That being said, we know that sometimes people feel overwhelmed with the process and want to ask a live person a question if they get stumped. If you do, you can set up a paid consultation with one of our counselors for a small fee.

Make sure you also read our article, "The 5 Biggest Mistakes People Make in Credit Repair". We've also started a FREE credit repair video series.

What the information provided in this page does is help you fix ERRORS on your credit report and clean up those "questionable" items. While no one can legally remove accurate negative information from a credit report, the law does allow you to request an investigation of information in your file that you dispute as inaccurate or incomplete. On the other hand, *nudge* *nudge*, *wink* *wink*, it is perfectly legal to challenge ANYTHING on your credit report. There is no charge for requesting an investigation. The whole key to the credit repair procedure is that if the credit bureaus cannot verify information on your credit report they must remove it. For instance, if a credit bureau cannot contact a collection agency which is reporting a collection on your report, they cannot verify the information, and the credit bureau must delete the entry.
Read more here.