If you’re looking for a way out of your credit problems, don’t believe promises like these! Erase bad credit—100% guaranteed; remove bankruptcies and liens from your credit file. Beware of several so called credit repair companies that charge from $200 to as much as $1,000 dollars and promise to fix or repair your credit report! In most cases, these companies do very little in improving your credit. Remember the following:

1. Credit bureaus can legally report accurate negative credit information for 7 years and bankruptcy information for 10 years

2. Accurate items that are within the 7 or 10 years reporting period cannot be erased from your credit record by companies advertising credit repair services

3. The only information in your credit report that can be changed is items that are actually wrong, or beyond the 7 or 10 years reporting period.

4. If there are genuine mistakes or outdated items on your report, you can fix them yourself! You can do anything that a credit repair company can do for you!