Credit report repair Frequently Asked Questions

Frequently Asked Questions about Credit Repair

"You may have heard of credit repair companies, which offer to help improve or fix your credit history for a fee. Credit; repair companies often claim that they can 'clean up' or 'erase' a bad credit record and help you get credit. Before you pay for their services, which can range from hundreds to more than a thousand dollars, there are several points that you should consider. First, under the Fair Credit Reporting Act, credit repair companies cannot do anything that you cannot do for yourself at little or no cost. You; do not have to pay a credit repair company to learn what is in your file or to correct inaccurate or incomplete information."

Federal Trade Commission

The truth is, no one can legally remove accurate and timely negative information from a credit report. But the law does allow the American consumer to request an reinvestigation of information in your files that you can dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act, you are entitled to a free copy of your credit report if you've been denied credit within the last 30 days. You can also dispute mistakes or outdated items to a credit bureau for free. You must submit your dispute in writing, along with any supporting documentation.

How can I repair my credit?
The Credit Repair Kit software and manual, will guide you through the use of your rights under the federal laws pertaining to The Fair Credit Reporting Act (FCRA) . The FCRA was written and passed by congress in 1970 to protect the American consumer's rights regarding credit. Your rights in this law force the credit bureaus to remove most types of negative information from your personal credit report that cannot be verified by the creditor in a defined time period. Your kit will contain the information about legislative changes to the FCRA, and the legal form credit repair letters that require the credit bureaus to honor your request to remove negative unverifyable information from your credit reports.

Briefly, what does the Fair Credit Reporting Act say?
The Fair Credit Reporting Act, section 661 (A) states: "If a consumer's personal credit information is incomplete, inaccurate, or cannot be verified by the creditor in a specified time period after written request from the consumer, the credit reporting agency or bureau shall promptly remove and delete such information as requested, and only by the consumer."

Does negative information have to remain on my reports for 7 years?
The Fair Credit Reporting Act states that a credit reporting bureau may post most of the negative information on your credit report for 7 years if the consumer does not challenge or dispute the accuracy and completeness of the information. Late payments rejections, and inquires can be removed in far less time but only if requested by the consumer.

What if the information is true?
The purpose of the The Fair Credit Reporting Act is for consumers who truly have erroneous information on their credit reports. When the credit reporting agency or their customer, the creditor, does not follow all the proper guidelines and procedures of verifying the accuracy of the information in a defined time period, the credit reporting agency is required to delete the credit report information if requested by the consumer.

How long does it take to remove the negative information from my credit report?
You should be able to see most of the results and changes of removal of negative unverifyable information from your personal credit report in 30 to 45 days after your request. The credit reporting agency will send you a free updated copy of the changes.

Can negative information come back after being removed?
Only if you are currently paying a bill and it becomes past due after you once had it removed from your credit report. Or, if you include a debt in a bankruptcy after it was already removed from your credit report.

How much does The Credit Repair Kit cost?
Order our latest software version of The Credit Repair Kit that runs on all versions of Windows and contains all the features of the free sample version, plus, the Tool Box of Legal Form Credit Repair Letters needed to repair even the worst credit report. Your credit repair kit will also include our instruction guide "The Credit Repair Manual", a practical guide for removing all the negative items from your 3 personal credit reports, and valuable information on the latest changes to The Fair Credit Reporting Act. You also get Software Support via Voice, E-mail & Fax.

You'll receive all this for only $35.

Also pay by Check/Money Order

Goods provided by TFPSoftware (NJ, USA).
Sold by 2CheckOut.com Inc. (Ohio, USA).

Step 1: Order now! Pay only $35. and it will automatically take you to your Download Page.
Step 2: After Downloading Credit Repair Kit v8.5, it will automatically install itself for you and put an icon on your desktop for easy access!
100% Satisfaction Guaranteed or Refund
Step 3: Order the 3 major credit reports you will need to remove and correct your inaccurate, outdated, and unverifiable information.

It is important to receive all 3 of your credit reports in a timely manner to begin the process of removing negative information from your credit history. We recommend Credit411.com. They will deliver your 3-in-1 credit reports online, and at a fair price. Click on their links to learn more about their fast service.
Credit411.com online Credit Report Services