It’s a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no minimum time frame. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well. The Fair Credit Reporting Act requires all reported information to be fair, accurate, and substantiated. If these conditions are not met, the credit bureaus are required to remove it. In the case of factual information, the only thing that remains are unpaid tax liens, unpaid student loans, and criminal convictions.

You just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult. When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, the costs associated with having our experts work to help you tackle your credit issues are minimal when compared to the competition. It’s a pretty great value that may impact a lot of the things you value most.