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No company can improve your credit rating. Your credit rating is derived from information your creditors report to the three national credit bureaus: Equifax, Experian and Trans Union. Factual credit report data cannot be changed or removed by any company. It will disappear from your credit report in 7-10 years, depending on the nature of the data.
However, sometimes your credit bureau information includes obsolete or inaccurate data. Credit repair companies dispute inaccurate or obsolete credit report information on behalf of their clients, but do not negotiate or provide any other services that you cannot perform on your own.
We recommend that you view your credit report. You can obtain a credit report from GreenPath Debt Solutions, and can even schedule a session to review the report with a certified credit report professional. Or you can contact the credit bureaus yourself:
· Equifax - 800-685-1111 - www.equifax.com
· Experian - 800-682-7654 - www.experian.com
· TransUnion - 800-888-4213 - www.transunion.com
The typical charge is about $10 to obtain a credit report from one of the bureaus. You may be eligible to receive a free report if:
· You have been turned down for credit, employment, or insurance based on the report's information within the last 60 days
· You are unemployed or on public assistance
· You are a victim of fraud
Review your credit reports. If you believe any information is inaccurate, you can contact the specific credit bureau to request an investigation. If you are working with a credit repair company, you should know that the Credit Repair Organizations Act requires for-profit credit repair companies to perform their services for you before collecting any money. |
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