Credit Clean Up
By Jayme Hanson

In today's economy with individuals struggling to keep their head above water, more and more shady credit repair organizations are claiming they can help you with for a fee. These companies target people who are having problems with bankruptcy or are trying to rebuild damaged credit reports and credit scores.

The only way to obtain is through better financial management. Dishonest credit repair organizations will offer to remove negative information from your credit report by contacting the three major credit reporting agencies

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and disputing questionable items on your credit reports. The truth is that no one can legally remove accurate negative information from your credit report. Credit reporting agencies are obligated under the Fair Credit Reporting Act (FCRA) to correct or delete inaccurate, incomplete, or unverifiable information, usually with 30 days. They are not required to remove accurate information unless it is more than seven years old (or bankruptcies that are over ten years old).