Credit repair companies are helpful if you can afford the service and don’t have the time to dispute the items. However, it’s important to note that you can fix credit issues yourself, and at no cost. There are also ways to improve your credit score without the help of a credit repair agency.
Under the Fair Credit Reporting Act (FRCA), you have the right to dispute any information you believe is inaccurate. Credit bureaus are required to investigate and delete it from your report if found to be erroneous.
To start checking for errors, you can request free credit reports from the three main credit bureaus — Equifax, Experian and TransUnion — at AnnualCreditReport.com. Once you examine your reports for any discrepancies, you can go to each bureau’s website and file an online dispute. They will investigate within 30 days and, if they confirm it’s a mistake, will delete the negative item from your report.
They might also delete items from your report if your debtor cannot validate the debt and is unable to provide evidence that it belongs to you.
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