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).

Levels of Difficulty

Easier Items To Dispute And Have Removed:

• Items older than 2 years
• Discharged bankruptcies
• Charge-offs
• Inquiries
• Repossessions
• Late payments
• Accounts that were late but are now paid off

More Difficult Items To Dispute And Have Removed:

• Accounts that are currently past due
• Recent Bankruptcies
• Judgements
• IRS or State Tax Liens
• Current collection accounts

These are more difficult to dispute because creditors keep these types of accounts in their current files and they expect you to pay them. It will be much easier for them to verify the information and keep the item in your credit file.

Always remember this: Federal Laws require that the Credit Bureaus verify all disputes. If they are unable to verify your dispute, the law says it must be removed from your file.

Most importantly, this information is to assist you with legitimate claims only – DO not waste anyone’s time attempting to file illegitimate claims.

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! Disclaimer: 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.