Credit repair is 100% legal. It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Even accurate negative items can often be removed or negotiated away. This law is the basis of all credit repair and the foundation of our business.
The Penny Hoarder last month wrote an excellent piece on how you can increase your credit score by 200+ point…
“e all make mistakes with our finances. And if yours affected your credit, there is no reason why you should live the rest of your life paying for it.
So, if your credit is less than stellar for whatever reason, no sweat. There are still tons of money-saving programs and services available from companies that understand your mistakes shouldn’t follow you around forever.”