Consumers who want to repair their credit report today have a convenient way to check their credit, and should they find information that they believe to be inaccurate - they can contact the three credit bureaus directly online to request an investigation of disputed items.
There are a lot of credit repair agencies that will advertise, "repair credit report". While they advertise to fix your credit report and may promise to remove negative information on your credit reports for a fee, it is important for consumers to know that accurate information cannot be removed from your credit report, no matter how much you pay.
A better course of action is for consumers to check their credit report for any inaccuracies, and should you discover information that you believe to be incorrect, you can go through an easy, convenient online process to contact all three of the credit bureaus.
Here's how it works: You can check your credit yourself and contact each one of the credit bureaus online. The credit bureaus do not charge for this service, and, once you provide information regarding account information you believe to be incorrect, the credit bureaus have 30-45 days to contact your creditor. The creditor must then verify that the information is correct, or it must be removed from your credit files.
It is important for consumers to remember that the only one who knows if the information in your credit report is accurate is you. Making sure your credit is accurate can help you save a lot of money and it can also help to protect you against potential identity theft. How to contact all three of the credit bureaus online.