Credit bureaus and collection agencies are FOR PROFIT companies reporting information on you. Former studies show that 79% of credit reports contain errors! Whether you have minor or major errors on your credit reports, an annual review should be on your list of things to do. You have no reason to fear credit bureaus, they are not government run, despite rumors.
If you're dealing with nasty issues on your credit reports like collection accounts, charge offs, tax liens, lates, and judgments, you may think there is nothing you can do. The law makes it your absolute right to fix credit issues that are inaccurate, obsolete or unverifiable using the FDCPA, FCRA and FCBA (credit laws).
People confuse REAL credit repair with quick fixes and scams and that simply isn't how its done. Real credit repair is very legal and can be very powerful, if done right. Fixing your credit the right way is a combination of credit laws, education and follow through. If 7 out of 10 credit reports contain errors, chances are, so do yours. You can be your own credit expert!
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