The FCRA:

The FCRA was enacted in 1970 to promote fairness, accuracy and the privacy of personal information reported to credit bureaus by creditors and others.

The FCRA allows a consumer to challenge the information on his or her credit report on the basis of "completeness and accuracy."

The credit bureaus are required to complete the investigation within a "reasonable period of time." This time period has been set at 30 days.

If, after an investigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information."

In theory, the disputation process should be simple, but many consumers quickly discover that creditors and debt collectors can make the process more difficult than they imagined.

Creditors routinely charge higher rates of interest to those with negative credit histories, so sloppy credit reporting may serve to maximize their profits, a circumstance that can make the process of credit repair difficult and frustrating for most consumers.

How can bad credit be legally repaired?

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The FCRA affords you the legal right to dispute and seek the deletion of any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified, directly to the credit bureaus.  When you dispute a questionable credit item, you are demanding that the bureaus perform investigations to determine whether or not the item should be listed on your credit report. If the credit bureau cannot verify the accuracy of the item within the time-frame specified by law, then they are required to correct the listing, or completely delete it from your credit report.

Another facet of credit repair is bypassing the credit bureaus, and working directly with your creditors to remove the negative items from your credit report. Your creditors have the ability to delete negative items from your credit reports at any time. With our experience, strategies, and relationships with various creditors, we have enjoyed substantial success in convincing creditors to adjust or delete negative credit reporting. In addition, in situations where creditors are unwilling to make the requested changes voluntarily, our experts employ all of the tools provided to you by federal law, to force creditors to prove the accuracy of the reported accounts, or delete them.  By empowering our experts to enforce their rights under federal law, we have assisted thousands of clients in legally and successfully restoring their credit, and increased their credit score, leading them to a better life!

How long does credit repair take?

It is inappropriate for NationalCreditHelpNow.com or any other credit report firm to promise a particular result within a specific time-frame. We can no more do that than we could promise a client that he or she would win the lottery.

We can, however, give you an idea as to how our clients have performed in the past. As is true in all credit matters, no two cases are identical, and your experience may differ.

When credit reports are promptly sent to us, our clients have seen incredible progress within the first 60 days.

The progress of your case will depend on your timely participation (sending in credit reports on a timely basis), the nature of your case, and the level of credit bureau cooperation.

Good credit

Is more important than ever before.

Like it or not, credit is an absolute necessity. From the house that you live in, to the car you drive, to your ability to purchase such basic necessities as groceries and medicine, your credit score impacts almost every facet of your life. With the price of living, and the cost of transportation continuously on the rise, it has become more important than ever to achieve and maintain a good credit score.

For people with poor credit, increased interest rates may further inflate the cost of living, creating a vicious cycle that makes even trivial purchases seem difficult. A poor credit score forces the people who can afford it the least to pay the most, and can even keep you from getting approved for credit altogether. Use the calculator below to see how much money having a poor credit score is costing you: