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Credit Disputes Q&A

Q: I paid a credit repair company to help me fix my credit report by removing negative information. They took my money but I don't see any difference. What can I do now?
A: According to the Fair Credit Reporting Act, negative but accurate information may legally remain on a credit report until a certain amount of time has passed (7 years for most items, and up to 10 years for a bankruptcy). If the credit repair company you paid misrepresented their services, you may have legal rights. State and federal law regulate credit repair companies. Contact the law enforcement officials where you live if you’ve lost money to credit repair scams. Start with your local consumer affairs office or your state Attorney General’s Office. Good luck!
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