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The Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that are inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted.
Disputing items on your credit report is easy. However, getting results from the credit bureaus is amazingly 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.
We personally have friends who have tried for over a year to have wrong negative items removed unsuccessfully. Lexington Law had the items removed within 45 days.
You have better things to do without wasting a minute on futile do-it-yourself credit repair. Put the Power of Lexington Law to work for you? If you have tried to remove the negatives yourself unsuccessfully we HIGHLY recommend using Lexington Law.
Their work is guaranteed or you don’t pay.
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Common Myths About Credit Repair
11 of the most common myths and misconceptions about repairing your credit.
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Credit Repair - How To Do It Legal And Right
To better understand what legal credit repair is, it would be helpful to understand a few types of illegal credit repair:
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Bad Credit Repair - The Law Is On Your Side
Many consumers have the mistaken idea that credit bureaus are federally supported organizations backed by a vast array of laws meant to protect creditors. Nothing could be further from the truth.
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Can Bad Credit Really Be Deleted?
Yes, it can! Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day.
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Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information."
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