Repair Your Credit Report Today

Credit report repair, also known as credit repair, is the identification and adjustment of inaccuracies listed in your current credit report. The Fair Credit Reporting Act (FCRA) is designed to prevent inaccurate or outdated information from being included in a credit report. According to this act, a consumer is due a free credit report by any company that has taken adverse action toward you such as denying your application for employment, insurance and credit. Within 60 days of receiving notice of such actions, the consumer is eligible to receive a free credit report from the company that issued the denial of application.


  • Who is responsible for the information in my credit report?

    • Under FCRA, both the consumer reporting company and the information provider (such as the person, company or organization that provided information to the reporting company) are responsible for correcting inaccurate or incomplete information in your report.


  • How can I fix inaccuracies on my report?

    • If you have found any inaccurate information, or missing information, you must submit, in writing, what information you believe to be inaccurate or incomplete and why. Include copies (not originals) of documentation that supports your case. Be sure to include a “return receipt requested” so you are sure that the company received your claim.


  • What happens after I submit the claim?

    • Consumer reporting companies have 30 days to address the claim. In addition, the company must forward the claim and all relevant information to the company that provided information about the customer. The consumer reporting company must send confirmation of any corrections on your credit report to any persons or companies that have accessed your report in the last 6 months. Moreover, if the case is not resolved, you may request to have your claim included in your file and all future reports.


  • Will negative accurate information harm my credit report?

    • Yes. However, consumer reporting companies can only retain negative information for 7 years. In the case of bankruptcy, it can only be included for up to 10 years.