Good credit is valuable. How much credit you have and how you use it goes far beyond shopping. Whether you have good or poor credit can affect where you live and even where you work. That is why you need to understand how credit is awarded or denied and what you can do when you are denied credit.

The Federal Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that you feel classify as inaccurate, misleading, or unverifiable. The Act in large part was drafted in the consumer's favor because the borden of proof was shifted to the creditor and the credit bureaus. This means if the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted. This means you have the advantage and it's in your interest to take advantage of all your rights under this law.

When you embark on fixing your credit yourself, you need to know that everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.

Disputing items on your credit report is easy and we will show you how to do it. Getting results from the credit bureaus can be difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business.

Don't dispair. Remember, the credit bureaus primary interest is to protect their profits and investigating your dispute cuts into their profit.

When dealing with credit reporting companies and creditors, don’t ever take “No” for an answer! If you want the negative items off your credit report, don’t just take your first answer and give up. You have to be persistent, in fact in most cases when it comes to fast credit repair, persistence is what triumphs. Just keep disputing and eventually you will win.

Below are the steps to guide you in your credit repair venture. Good luck.

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What the Credit Bureaus Don't Tell You

Each item on your credit report must be proven or it cannot remain in the report. If the credit bureau cannot verify the item when investigated, it must be removed from your file whether or not it's true.

Every negative entry on your report can be denied or challenged at any time. The bureau must reinvestigate and if that item cannot be verified within a "reasonable amount of time", it must be removed from the file.

Items when challenged can be mistakenly erased. Consumers say they often experience computer operator mistakes.

Many times the creditor does not re-verify in time or the credit bureau is busy and does not handle your dispute properly. It must then be deleted.

The older an item, the more difficult re-verification is. It is possible it cannot be verified because records may no longer exist after 1 or 2 years.

How to order a free credit report	Dealing with Credit bureaus
How to repair bad credit yourself	Profile of a Perfect Credit
How to Improving your credit score	Credit & Marriage
How to dispute negative credit	Know your legal rights