Companies that advertise as credit repair agencies attempt to charge you for copies of your credit report are not being honest. If you need more than one copy of your credit report per year, then you may have to pay for additional reports, but this payment should be made directly to the credit bureau. Many people believe that bankruptcy wipes their credit report clean, but it only releases you from overwhelming debt. It does not remove information from the credit report that led to the bankruptcy in the first place.
If you have a past bankruptcy and you are trying to improve your credit rating, it might be wise to contact credit repair specialists that are associated with a law firm. They will probably be able to offer more assistance than credit repair specialists that are credit counselors. How can I repair my credit report? If any information on your credit report is inaccurate, out-dated, unverifiable or misleading, you can dispute this information. Credit repair agencies can help you if you do not have the time or the know-how. An impaired credit report will be scarred with black marks which every credit provider is allowed to document, if you fail to pay.
These comments will have a very real negative effect on your credit report, so it is vitally important that you communicate with your credit institutions and seek an agreement that are favorable to all concerned. Something like... would you agree to eliminate this remark if you make regular, timely payments for a certain time. One thing keep in mind, quick credit repair won't happen suddenly or the next day or in a few days, it can take months or even years for particularly bad cases. The point is, by using good advice and acquiring a great system, your credit report can be rebuilt fast.