On March 9th, 2015, New York Attorney General, Eric T. Schneiderman announced a settlement with the three major credit bureaus, Experian, Equifax, and Transunion, which requires them to implement a number of changes designed to improve credit reporting accuracy and make it easier for consumers to dispute errors.… Read More

If you are reading this you probably have concerns about your credit. Maybe you had financial issues in the past. Maybe you looked at your report and found derogatory information. Either way, your credit report is wrong and you are a candidate for credit repair.… Read More

The credit bureaus can be very cooperative, and then again they can be downright frustrating. Success with credit bureaus disputes is predicated on two factors: technique and patience, and not necessarily in that order.

Credit Bureau Personalities

Each of the three credit bureaus has their own personality.… Read More

On February 11, 2013 the FTC released the results of a study on credit reporting accuracy. Their conclusion is that consumers cannot afford to trust the accuracy of the information assembled by the credit bureaus – and provided to lenders, landlords, insurance companies, etc.… Read More

We have never taken a stand against the credit reporting system. It is not perfect and there is abuse, which can be frustrating at times, but it could be worse. In fact, given that the dispute process (as mandated by the Fair Credit Reporting Act) is almost entirely self-policing, the credit bureaus do a pretty decent job.… Read More

There are hundreds of credit repair strategies you may read about in blogs and forums. Tricks abound; legal angles, interpretations of Fair Credit Reporting Act requirements, ways to leverage FTC staff opinion letters, you name it. Many of these strategies have merit – but unless you plan to sue the credit bureaus you are better off limiting your credit repair effort to simple techniques that deliver consistent results.… Read More

There is nothing like the feeling that comes from re-taking control of your credit life. It is easy to let problems sit on the back burner, but problems ignored tend to grow. Credit issues untreated beget financial woes. To top it off our subconscious eventually rebels and creates discomfort.… Read More

There is nothing like the feeling of doing the right thing, for yourself, for your family, for your life. Credit repair offers way to take positive, constructive steps to transcend the problems of the past and move towards a future you can feel great about.… Read More

The right tool makes the job easier. I suppose you could build a house without a hammer. A rock could do the job. But why make life hard? A hammer is a much better choice. Likewise, you want to start the credit repair process with the right credit report.… Read More