Can You Dispute Your Credit Report? Many of us wonder even if it is this legal to do so. Well, YES, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act)! This article is meant to provide important information about the possibility of having credit restoration.
For starters, when determining whether you want to dispute your credit report, you should know what your credit score is based on. Credit scoring takes many factors into consideration that may include:
• Amount of available credit
• Payment history
• Recent requests for credit
• Amount of credit currently being used
• Length of credit history
Under the Equal Credit Opportunity Act, credit scoring may not use gender, marital status, national origin, race, or religion as factors even when you dispute your credit report.
So, to answer the question of can you dispute your credit report and can bad credit be deleted? Well… YES! Negative credit listings are deleted from peoples’ credit reports each and every day! Still, you might need to get some professional support and assistance. Companies specialized in Credit Repair, such as Credit Repair Titan, will use very venue available to you under the law, to help you assert these rights. When you hire professionals to help repair your credit, they will be abiding by and using all federal and regional laws regulating third party credit repair assistance.
We are working hard every day, challenging damaging and questionable credit entries on behalf of our clients. Utilizing proven and absolutely legal methods, you will have a professional organization working for you and your credit!
There are many of you who will say “OK, but how long does it take?” Of course, everyone wants you to see results immediately. Most people can see progress within the first 45 days of credit repair services, although everyone’s credit history is different. Don’t ignore the fact that the majority of time is spent waiting for the credit bureaus to respond to requests. It takes great effort in getting the disputes to the bureaus as fast as possible. As a reference, the average person with 7-10 inaccurate, misleading or obsolete items on each credit report should be prepared for a 3-4 month commitment.
Leading Credit organizations like Credit Repair Titan have been helping people get rid of negative items on their credit reports, increasing their FICO score dramatically. With a higher FICO score, their clients have been able to refinance their auto and home loans, saving a considerable amount of money every single month!
Just keep in mind that you’d still have to pay your bills. When a negative credit report listing is deleted, the actual debt remains. You still owe the same amount of money that you owed to begin with. If you don’t pay the debt, the creditor or collection agency could always report the item again. So removing the listing without addressing the debt is only a temporary solution.
For even more information and real help, you should find a firm helping hard working men and women repair their credit reports. Credit Repair Titan has helped thousands of Americans repair their reports by removing inaccurate, misleading, or unverifiable items for them. From bankruptcies to charge offs, their staff have challenged and deleted such items with ease. Do your own research, choose the best firm, the one with no hidden fees, offering unlimited disputes and not charging per deleted item. Whether you have one or one hundred negatives items, you must be backed by a Money Back Guarantee policy.
If you would like to get more information about how Credit Repair Titan can help you to dispute the negative items off of your credit report, click the button below now to get started!
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To Your Great Credit,