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).


Timing is Everything


Important: 10 days should be sufficient time for a creditor to get the proof into your mailbox (5 business days to act on it plus mailing time).
Additional Options:


Contact the Attorney Generals Office in the city of the creditor who is damaging your credit. Get the phone number through directory assistance. Tell them that you have a creditor who is damaging your credit by reporting an account that is not yours. You have requested proof that the account belongs to you and they do not have it. They will contact the creditor and have the account removed from your credit file. This is a free legal service and almost guarantees they will get the item removed.


You can also take the creditor to Small Claims Court. To do this, you will need to call your county courthouse and ask about the proper procedure to follow to get a court date. You’ll be asked to fill out one or two simple forms stating your complaint. You may want to write that you wish to remove the item from your credit file since it is not yours and the creditor has no proof that it is your account. After you receive a court date, mark it on your calendar and make sure to attend at the proper time, place and date. Bring the receipts from the registered mail you used for your disputes along with your phone bill. Remember, if they do not have proof that this is your account you will win and the account will be removed from your credit file! Also, if the creditor is out of state and does not show in court, you win by their default. Creditors are too busy to spend time on one person when they have thousands of other people to deal with. You may contact an attorney in your area for a free consultation about what your rights are concerning your particular situation.



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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