The information contained in this section IS NOT about repairing credit. We are NOT a credit repairing agency, nor would you be well served by using one of those agencies. This section is designed solely to assist you in correcting mistakes or errors on your credit report.


MOST importantly, this advise is offered only to assist with legitimate errors made by the credit bureaus or the reporting creditor(s).


It’s not as hard as you may think!


  • Under the updated law, credit bureaus are required to use information supplied by the consumer as well as the credit grantor when reinvestigating inaccurate credit information. This was not a requirement under the old law, and bureaus relied primarily on the credit grantor’s version.
  • Reinvestigations requested by consumers must be completed within 30 days by the major credit bureaus.
  • If the completeness or accuracy of any data reported by a credit grantor to a credit bureau continues to be disputed by a consumer after the information has been reinvestigated by the credit grantor, the credit grantor may not report the information to the credit bureaus without indicating that it is still being disputed by the consumer.
  • Bureaus as well as credit grantors (such as banks or retailers) must provide consumers with better notices of their rights. In the past, when a consumer was denied credit, the credit grantor was required to include the name and address of the credit bureau that supplied the report on which the decision was based. Under the new law, the following information must also be included:
      • Phone number of the credit bureau (including a toll-free number if it is one of the three major bureaus).
      • A statement that the credit bureau did not make the decision to take adverse action.
      • Notice of the consumer’s right to obtain a free copy of the report from the credit bureau by submitting a written request within 60 days.
      • Notice of the consumer’s right to dispute the accuracy or completeness of the information in his or her report with the credit bureau.


Be sure the Credit Bureaus explain:

  1. Every negative entry on your report can be denied or challenged at any time – above all be sure you are being truthful at all times. The bureau must reinvestigate and if that item cannot be verified within a “reasonable amount of time”, it must be removed from the file. A reasonable amount of time is 30 days.
  2. Each item on your credit report must be proven or it cannot remain in the report. If the credit bureau cannot verify the item when investigated, it must be removed from your file.


Steps to Repair Your Credit:

  1. Obtain your tri-merge report or three individual reports.
  2. Review the report(s) and locate any negative item(s).
  3. Dispute any unexplained (untrue) negative items with the credit bureaus.
  4. State the item you are disputing, it is best not to use dispute forms or file numbers provided by the bureau. Write your own letters, following the examples we provide. This will cause fewer delays by the credit bureau asking for clarification.
  5. Disputed items are removed or corrected. Items that were not re-verified are removed.
  6. Negotiate with creditors and collection companies, if any.
  7. Point out discrepancies on the account if any information about the item is wrong.



We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a “Credit repairing agency” – that is the worst thing you can do!


This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.


Disclaimer of Warranty.
The materials, information and forms available in this section of the website are provided without any warranties, express, implied or statutory. Any and all implied warranties of merchantability or fitness for a particular purpose are hereby disclaimed.

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