Verify credit report on your own

You can get a copy of your credit report from the Federal Trade Commission. The commission enforces the act. With a little thinking and planning you can get things removed from your credit history without paying $500 someone to help you. If you need some support check in your area for free consumer help
agencies.

Also remember there are many components to account verification. If the amount stated on your report as part of a negative entry is incorrect, ask for verification of the account. Sometimes old records are "warehoused" or even unlocatable especially if the original account was "sold" numerous times. When we requested verification of an old acct. the only verification sent to us was from an old collection agency. We finally made enough noise that they went into warehoused records for what was supposed to be the original contract that we were delinquent on and it was not a valid contract at all. Request verification from the ORIGINAL creditor whenever possible.

When there are conflicting records, the account should be deleted as unverifiable. Also, don't rule out asking the creditor to "re-age" the account especially if you still owe a balance. Frequently they will agree to re-report as 'paid as agreed' if you make that a condition of your payment. Utility companies are more likely to agree with this. They may tell you they can't do that, but they can, and they probably know that.

Be persistent. There are other legal ways to get "correct" entries removed but you do not need to pay someone else to do it. Investigate, research the
Fair Credit Reporting Act, use your own resources.

Valerian is a freelance writer intersted in items such as credit repair