“ …under the FCRA - Fair Credit Reporting Act, credit repair companies cannot do anything that you cannot do for yourself at little or at no cost. You do not have to pay a credit repair company to learn what is in your file or to correct inaccurate or incomplete information”. Federal Trade Commission – www.ftc.gov .

Or check www.ftc.gov/os/statutes/031224fcra.pdf (Acrobat Reader required click here to download)

The bottom line is that no one can legally remove accurate and timely negative information from a credit report. However, under the FCRA - Fair Credit Reporting Act, American consumers can request a reinvestigation in their files and dispute the negatives information. This is a free service under the - Fair Credit Reporting Act.