About Credit Repair Services

These companies promise to clean up your credit report quickly and easily. This service is at a cost of course, usually a few hundred dollars.

What these companies aren't telling you is that NO ONE can remove true information from your credit report. If you really did miss several payments on a credit card, for instance, no company can get that fact taken off your report. Only time will accomplish that.

Nothing can stay on your credit report for more than seven to eight years (depending on the state where the account is held), except for Chapter 7 bankruptcy which can remain on your report for ten years. It is true that many people have at least one error on their credit report.

However, all institutions are aware of this and most take it into account when evaluating your suitability for a loan. What they look for, primarily, is a pattern of payment problems and outstanding balances (especially on newer accounts and loans).

So having one or two negative remarks on your credit report will generally not affect your ability to obtain credit. On top of that, you can correct errors in your credit report ON YOUR OWN -- for free.

If you have $3,000 or more in unsecured debt, professional debt help could be the solution for you to get back on the path to financial freedom. What is unsecured debt?

With Professional Debt Help, You Can:
	Reduce your debt by 50%-75%
	Stop harassing creditor phone call
	Be debt free in as little as 12 months
	Make one low payment a month
	Get a FREE NO-Obligation consultation
	Take control of your debt situation

Professional debt counselors can help you by creating a customized debt consolidation program that will reduce your credit card and unsecured debts by as much as 50%-75%.
Find out how with a free consultation.

Debt Consolidation is the most effective way to eliminate debt in the shortest length of time.

If you are denied credit because of information on your credit report, you are entitled to request a free copy of it for up to sixty days after you were denied. If you see something incorrect on your report, you may challenge it in writing. If the credit bureau cannot substantiate the record you're challenging, they must remove it. If you have not been denied credit in the last sixty days, you can still get a copy of your credit reports for a small fee.