Resources
The first, and most important, thing you need to know about the 3 credit bureaus

The credit bureaus are not goverment agencies. They are privately owned companies that make billions of dollars from selling YOUR credit report. And how they report that data is where the problem is. Read more

How your credit score is calculated

No one knows for absolute certain the exact formula that is used to calculate a score, but we have a good idea of the approximate percentages for credit events and how they are affect the final number. Read more

Is the method that you are saying on this site legal?

You will never find anything on this site that tells you to do anything that could potentially cause legal problems for you. I have personally done everything that I tell you do to, and would never jeopardize my, or my family's, well-being. Read more

How do I know if this works?

I hate testimonials...I really do. You never know if what you are reading is truthful, or just another ploy to get you to believe them. So my personal guarantee to you is that I will never edit any testimonial that a user puts on this site. So, with that said, to view what people are saying click the "read more" link below to view their statements.  Read more

 

The credit bureaus are illegally using your credit file to make billions each year.

There are 3 main credit bureaus that collect your information over the course of your lifetime, and calculate a score based on your history. They sell your score to prospective lenders who then make a decision whether or not to offer you credit. The 3 bureaus are Experian, Equifax, and Trans Union. Technically there's 4 (Innovis), but they don't actually sell your information, which is why they do not offer a credit score.

First and foremost, there is aboslutely NO legal requirement that any of the 3 credit bureaus report anything regarding your credit history to anyone. Likewise, there is absolutely no legal requirement that a lender report any information to any of the bureaus. Instead, the credit bureaus sole purpose in collecting and reporting this information is to sell it to lenders who run your credit. Additionally, they charge each lender to report your account history each month. Lastly, the bureaus charge YOU for a copy of your credit file (unless you qualify for the free annual report provided by Federal law). So, the credit bureaus are making money all the way around. The sickening part is that they are a privately held company who has no regard for the damage that they do to individuals. All they care about is making money.

The Fair Credit Reporting Act (FCRA) specifically states that in order for a credit reporting agency to report negative information they must verify that the information is accurate. The problem is that they do not have any of the required physical proof that what they are reporting is indeed accurate, or that it even belongs to you.

When you obtain credit, whether it's financing a loan, applying for a credit card, etc. you are required to fill out and sign certain documents. Those documents then become part of your file with the company that extends credit to you. When you default on the loan, the company reports you to the credit bureau as a late payment, charge-off, etc. However, this is all done electronically...and this is where the problem is.

By law the credit bureau can only report information that they have verifiable proof of. Since none of the burueas have the physical documents that you signed, but rather an electronic statement from the original lender that you owe the money, they do not have the verifiable proof that they are required to have. Without this proof the law states that they must delete the information from your file.

If a consumer disputes the accuracy or validity of an item that the credit bureau is reporting, the bureau must perform an investigation (free of charge) and verify that the information is indeed being reported correctly. Since they do not have the necessary verifiable proof, how can they possibly verify anything? The answer is, they can't. As a result they are required by Federal Law to remove the item from your credit file, as if the account never even existed.

The specific paragraph of the FCRA regarding the investigation and deletion is Section 611(5)(A), which reads as follows:


(5) Treatment of Inaccurate or Unverifiable Information

(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall–

(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation...


Effectively this section specifically states that a credit bureau does not have the right to report any information that they can not verify to be accurate. They simply do not have the right to report inaccurate information.

Now, there's a problem with this...how do you know what "verifiable proof" the bureau has (or doesn't have) when you dispute their right to report an item? Alas, there is another section of the FCRA which gives you the right to receive a copy of all information that is your credit file, meaning every single document that they have. The specific section here is Section 609(a)(1) which states the following:


Disclosures to consumers

(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:

(1) All information in the consumer's file at the time of the request except that--

(A) if the consumer to whom the file relates requests that the first 5 digits of the social security number (or similar identification number) of the consumer not34 be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and

(B) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.


You see, the credit bureaus want to provide the minimum amount of information to you when you contact them. The only give you exactly what you ask for. By Congress putting this section into the FCRA, it enabled consumers to have a legal leg to stand on when fighting with the credit bureaus. The bureaus are now required by law to give you All of the information in your file if and when you ask for it.

What they WON"T give you is the verifiable proof that the item belongs to you...they simply don't have it.

So what differs the information on this website with the information that you've seen on other "credit repair" websites? The first thing is that, unlike other sites, I will never tell you to do anything that could get you into legal trouble. When others tell you to dispute an item on the grounds that "it's not mine", they are telling you to commit perjury, and that WILL get you into a lot of legal trouble.

However, by disputing the item on the grounds that the credit bureau does not have the legal right (according to the FCRA) to report it is a totally different matter in the eyes of the law. Whether or not the item is actually an account that you owe has no relevance to your case. The only thing your case has to do with is the fact that the credit bureau has no right to report the item based on the current requirements of the FCRA that they have and produce verifiable documentation that the item is indeed yours.

I have personally done everything that I am telling you about on this website, and will tell you that I have seen the results with my own eyes. I have spent countless hours researching the applicable law, reviewing case law that I provide links to or excerpts of, and contacting the credit bureaus regarding my own credit file, as well as my wife's and various friends and family members. And after years of paying "credit repair" companies hundreds of dollars, I decided to do it myself, and I couldn't be happier with the results that I've acheived.

So, now you're wondering what you need to do to begin the process. The next page provides all the details you need to get started, so click the "Next Step" link at the top of the page.