How to Repair Your Bad Credit Report

How is credit repair possible?

The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete.

In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.

Any credit repair consists of two phases: removing the negative listings from your credit report and adding new, positive listings.

Since just a couple of negative listings will earn a rejection from most creditors, repair of your negative credit should be the first priority. After bankruptcy, for example, the credit report will show many negative listings including the bankruptcy filing, discharge and numerous "included in bankruptcy" listings.

While removing a bankruptcy from your credit report is no easy proposition, it is possible and definitely worth the effort. For more help, see repair my credit.

Credit score repair for all 50 states:

Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, District of Columbia, DC, Florida, FL, Georgia, GA, Hawaii, HI, Idaho, ID, Illinois, IL, Indiana, IN, Iowa, IA, Kansas, KS, Kentucky, KY, Louisiana, LA, Maine, ME, Maryland, MD, Massachusetts, MA, Michigan, MI, Minnesota, MN, Mississippi, MS, Missouri, MO, Montana, MT, Nebraska, NE, Nevada, NV, New, Hampshire, NH, New, Jersey, NJ, New, Mexico, NM, New, York, NY, North, Carolina, NC, North, Dakota, ND, Ohio, OH, Oklahoma, OK, Oregon, OR, Pennsylvania, PA, Rhode, Island, RI, South, Carolina, South, Dakota, Tennessee, TN, Texas, TX, Utah, UT, Vermont, VT, Virginia, VA, Washington, WA, West, Virginia, WV, Wisconsin, WI, and Wyoming, WY