Credit Reports

Getting out of debt is the first and most important step. The next one is restoring your credit. Many companies will help you dispute any inaccuracies on your credit report and in doing so, will help to remove unwanted negative information. This is done by contacting each of the primary credit bureaus and disputing any inaccuracies on your credit report. Upon notification, the credit bureaus must verify the accuracy of the information in question. If they cannot verify the accuracy of an item, it must be permanently deleted from your credit file.

Anything inaccurate can be removed from a credit file including bankruptcy, judgments, collection accounts, liens, foreclosures, and late payments. Federal law requires that your credit report be accurate, complete, and verified. If it is not accurate, there are companies that will challenge everything in question with the ultimate goal of having erroneous information removed from your report.

Get a free credit Report!

Your credit score tells you how lenders view your credit worthiness. Checking your credit report will highlight any inaccuracies and protect you against identity fraud.

Regulators Seek End to Shady Credit Score Sites
Mortgage regulators are trying to crack down on Web sites that connect home shoppers to a stranger's credit card or rent out well-stocked bank accounts .

45% of consumers do not know their credit score
According to Bank Rate, national poll indicated that almost half of American consumers did not know their credit score. They also found that 32% of United States citizens have never checked their credit report.

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