If you want to find an industry with a horrible reputation look no further than credit repair. Over the years I have seen countless companies coming to my office wanting me to send all of my applicants for a mortgage who had bad credit to them. Most of them stated the same thing, “I will get it removed.” Let’s face it, if you owe the debt, it will not be removed. Most of the creditors sell debts owed to collections companies. These collections companies will not go away until you settle on the debt or pay it in full. The 3 credit bureaus do have to respond to a dispute within 30 days which must be verified. If the dispute is not verified, it must be removed. Credit Repair companies will dispute derogatory information on your credit report for you, but you can do the same thing yourself for free. You can also dispute items from your credit report on-line now.Online bureaus for dispute:- Experian = www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE- Tran union = www.transunion.com/entry/disputeonline- Equifax = www.equifax.com/online-credit-dispute/The advantage of using a reputable credit repair company is they dedicate all their time during your normal working ours to dispute inaccuracies on your credit report. […]

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