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How do credit companys take off everything thats bad on your credit report even throw its really yours?
They can't guarantee bad information is actually removed. Occasionally accurate negative information is removed because the credit bureaus don't respond to the challenge in the allotted time.
i have had some success with credit companies and repair let me know if i can help
usafhamortgage@gmail.com
Legitimate credit repair firms know which items to dispute, and which to leave alone. But you can still get a boost in your credit score. Here are two resources for you:
Free Credit Guide "Your Credit Sucks" http://ratenerd.com/your-credit-sucks
Self Credit Repair http://ratenerd.com/credit-repair-–-can-you-really-do-it-by-yourself-87
Credit Repair companies will dispute the negative items on your credit report in your name. They will usually just ask for verification on the item, but sometimes upon your request they will say it doesn't belong to you.
Lexington Law Firm is the biggest credit repair company in the nation and they removed 1 million negative items last year including anything from removing bankruptcies to removing charge offs .
There are different ways to remove bad marks from your credit report, some legitimate, some less so, and most of them you can try yourself. However, there's no guarantee that everything can be removed honestly. In fact, most things probably can't.
One way to remove a bad report is to negotiate with a creditor for a "pay for delete," where you agree to pay all or part of a debt and the creditor will consider it paid in full and either remove the item from your credit report, or not validate it if you dispute it so it will be removed. However, the creditor doesn't have to agree to do it, so there's no guarantee.
Another way, as others have mentioned, is to dispute a debt and hope that the creditor won't or can't validate it, and it will then be removed.
If a credit repair service claims they can take off everything bad that's really yours, they're probably using a fraudulent method that can get you in trouble, like telling you to use an EIN even though you're not a business, or using other sneaky credit repair tricks that either won't help or can do more harm than good in the long run.
They use rules and laws found in the fair credit reporting act, most don't do a great job. I recommend finding someone with proof that they actually work. CreditSweep can do it in 60 days guaranteed
I like the reviews provided from the credit report repair website
You need help with this. www.creditboomerang.com They can assist with removing these negative items from your bureau. No charge till the job is complete. Good Luck!
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