Have you seen those late night television commercials? You know the ones where they claim that you can erase your bad credit overnight. What about those commercials that claim it is possible to get a major credit card without using a deposit or even a credit check?
There are advertisements both online and off selling books and systems to help you fix your credit problems. It is not uncommon for many of them to make outrageous claims.
The question naturally arises, “Are these sort of claims too good to be true?”
These credit repair companies would love for you to believe that the only requirement for fixing bad credit is time. The reality is quite different. The truth is that time is only one factor but it is not the only factor.
There is a consumer protection law known as the Fair Credit Reporting Act (FCRA). The only negative information which can remain on your credit report is what is not accurate. This means that any negative item on your credit report can stay there if it is true and can be proved to be true. This item presents us with good and bad news.
This is the good news. Through the FCRA you can improve your credit score...
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