Can questionable, bad credit be deleted?

Can credit repair companies be trusted?

How much does bad credit cost?

Does paying off past-due accounts neutralize their negative status?

Will deleted items just reappear on the credit report?

Are items such as bankruptcies and foreclosures impossible to remove?

Should consumers try credit repair on their own?

Does bankruptcy wipe the slate clean for a second chance?

Do creditors bother to read the 100-word statement?

Can changing one's SSN or EIN tax number help credit matters?

Does enough good credit offset any bad credit?

Does the CCCS help consumers restore credit?

Do negative items have to remain listed for 7 years?

What is the Fair Credit Reporting Act (FCRA)?

Should consumers try credit repair on their own?

This really depends on you and the amount of time you're willing to allocate toward repairing your credit.

Disputing the credit report is easy. Getting results, however, can often be difficult, complex, and infuriating. Remember that creditors routinely charge higher rates of interest to those with negative credit histories, so sloppy credit reporting may serve to maximize their profits, a circumstance that can make the process of credit repair a difficult and frustrating experience for many consumers.

Moreover, restoring your own credit is like repairing your own transmission or representing yourself in court; you can certainly do it (and you have the right), but you must decide if you are willing to take the time and endure the possible frustration of doing it yourself. In fact, according to a 2004 survey of 2,106 clients, 38.6% of Lexington clients attempted to repair their own credit before retaining the firm.