There is no such thing as a credit genius, the perfect man, woman or life.

There is also no such thing as credit repair !

Companies that call themselves credit repair takes advantage of people in debt or with financial problems by using the magician's magic wand to erase your bad credit.

Credit repair companies claim they can remove negatives, hid your credit history and some even claim that they can make you disappear !

These companies can actually hurt your credit and they can be very costly.

Beware of credit repair companies and the miracle worker .

Most creditors don't care if the information on your credit report is correct or not.

The three largest credit bureaus are ;

Trans Union,Equifax,and Experian don't they check to see if the information on your credit report is reported incorrectly ?

They do not update their systems regularly and there is no watch dog agency watching over them to ensure and monitor accurate reporting.

I'm bringing this hub to your attention because I have noticed on my own credit report an error in reporting.

There was a mortgage that was reported on my credit report in the amount of two hundred and ninety two thousand dollars !

You can repair credit reporting errors and improve your credit score by following these simple tips below ;

1. Check your credit report regularly every 30 days.

2. Check your credit report online or request a copy by mail.

If you have been denied credit you can obtain a free copy of your credit report.

3. Be sure to request copies from all three credit bureaus. The reports may not be the same for each reporting agency.

4.Once you have received or viewed all three credit reports, check them for errors

and old credit information.

5. Request a credit dispute form if you disagree with any of the information from the three credit bureaus. Provide all three credit bureaus with any supporting evidence that you may have to dispute your claim.

Below are the three largest credit reporting agencies;

1. Trans Union

1-800- 916-8800

2. Equifax

1-800-685-1111

3. Experian

1-888-397-3742

Start Improving Your Credit Score Today !