Have you been working to repair your credit? 

Recovering after an identity theft, or finacial disaster resulting in negative items being added to your credit report, or removing erroneous entries, and repairing negative items is a time consuming and frustrating process that can take a great deal of time.  This blog is a place to share your experiences with others, in order to help other consumers be educated about bad creditors and collection companies, and to learn about successful strategies to help in credit restoration.

While you can dispute a debt with a credit reporting bureau – the companies responsible for maintaining credit reports, notably Transunion, Experian, and Equifax – much of credit repair often comes down to corresponding and negotiating with credit card companies, collection agencies, or other lenders.  Disputing with the credit reporting bureaus is usually most successful in cases of clear identity theft where you have a police report available to provide, or in cases of mistaken identity, such as when an account shows up that belongs to someone else with a similar name.  While disputing such entries is time consuming, it typically is easier than dealing with collection agencies and other companies that have entered negative information on your credit report due to late or missing payments or defaulted accounts.  However, any type of negative activity on your report can be disputed and, oftentimes, removed if approached with persistence. 

There are a number of credit restoration and credit repair attorneys and experts, but they are not all on the level.  Some perform miracles for their clients while others are just there to rip people off.  If you have worked with either type of company tell us here, so the good ones can be recognized and the bad ones can be avoided.

Credit repair can be a long and arduous process taking months or years to complete.  In order to save time and to save money when lending in the future, read our reviews and ratings and share your experiences with other consumers.