Secrets to repairing your credit like the pros

Some stuff stay on your credit for 7 or 10 years, there are ways to remove them much sooner. Many credit repair companies claim to clear your credit record. The strategy that those companies use generally works and negative items can be cleared years before the time limits set by federal law! Truth is that credit bureau doesn’t tell you that each item on your credit record must be proven for it to stay on your file. If the bureau can’t prove the item, it must be removed, even if it’s true! If an item can’t be verified within 20 to 30 day period, it may be removed from your file.

You must write to the credit bureau and deny negative items because they are either incorrect, it isn’t your account, or that you did not make a late payment. By demanding that the credit bureau reinvestigate the disputes, it is likely that some of the negative items will be removed upon receipt of a corrected report.

Here is how and why this could happen. The original source of the data may not verify on time or not all. Since bureaus are very busy, they may set a time limit on re-verification allowed. Negative items may even be mistakenly erased.

Operators are human and they do make mistakes! Some of the creditors may not bother to re-verify because of extra work. Some creditors only keep records for 2 or 3 years and if an item you challenged is sold, it’s possible that it cannot be verified, because the record no longer exists.

Persistence is on your side and if you continue this course of action you have an excellent chance of removing negative items years ahead of the 7 or 10 year time frame allowed by law. Follow this method and you may be able to repair your own credit years in advance!