The federal government now backs the removal of everything negative on a credit file and the awesome thing is, they always have! I will use the term credit repair lightly as I do not think that is is appropriate because in order to repair something, something must be broken and that is just not the case. If you will forget the letter writing, new identity scams and credit privacy numbers (cpns), I will show you how to look at this the correct way and get things done once and for all.

The beauty of our legal system is that laws were put in place to protect you, the consumer. You see, credit repair as it is normally practiced, is wrong. If you use the court system , you will not even deal with the three credit reporting agencies (credit bureaus) until you show them what legally needs to be removed via court order. The credit bureaus are simply reporting what is given them and when you have the proper documentation, they will remove that as well. Get something straight right from the start, your credit file with the three credit reporting agencies are not incorrect. Sure, there may be a few items, if any, that are truly incorrect, but that is not the basis of what you will be doing. Where the illegal part comes in is when the creditors, even original creditors, report your actions to the bureaus themselves. You have a big issue with the creditors. What I am saying is that it is illegal for the creditors to report derogatory items and make them accessible to the general public.

There are 320 laws that every creditor has to follow in order to put one single item on your report. They know this and even after knowing this, they fail to follow the law at all and unless you call them out. Once you do call them out, it will either be removed immediately or you settle it in court (hint..they will not show up as they cannot document what is needed). Negatives off, good credit!

Nothing is quite as simple as it sounds, but the basics for this is behind each and every person I have seen have their files wiped clean of all negatives. So is credit repair a scam? If the companies write letters, give you a new file or identity, or go about it any other way than through the legal system, using the laws set up to protect us, then yes Doing it the proper way, through the court system and not only will work each and every time, but be backed by the government 100%.

One Comment on The U.S Government Promotes Credit Repair

D. Webster on Tue, 12th Jan 2010 7:17 pm


Chapter 13 bankruptcies are a type of “credit repair” allowing you to reorganize your finances by consolidating your debts into one monthly payment. Chapter 13, however, should not be confused with other types of credit consolidation programs….such as consolidation loans from a bank or finance company OR credit counseling payment plans.

Tell me what you're thinking...
and oh, if you want a pic to show with your comment, go get a gravatar!