Can You Legally Erase Your Bad Credit?

There are many misconceptions out there when it comes to credit repair. If the notion of erasing bad credit brings to mind shady operations and illegal tactics, there's a reason. Fly-by-night companies have given credit repair an undeserved bad rap - and that's because many of these companies employ practices that are indeed illegal. It doesn't help that credit bureaus and credit agencies unite in the interest of profit to tell consumers that erasing bad credit is impossible.

Credit Bureaus Could Care Less That You Have Bad Credit

It's simply not in their financial interest that you, the consumer, learn about proven and LEGAL ways to erase bad credit. If you have questionable listings on your credit report, there are ways to have these bad credit items removed. Credit bureaus will tell you that only time can improve your credit score, or that negative items will have to remain for seven years. On the contrary, government regulations dictate that seven years is the ABSOLUTE MAXIMUM time a negative item can remain on your credit report.

Credit bureaus can delete questionable credit listings any time they want! There are many reasons you might have an inaccurate listing on your credit report, yet creditors rarely look beyond your credit score when considering your application. The credit world is black and white, with nothing in between. Data-crunching computers following precise formulas don't consider individual circumstances when generating credit scores - yet there are so many situations were inaccuracies can result. This is the "gray area" of credit reporting, and you're not the only one stuck in it - by far.

The Many Reasons to Legally Dispute and Erase Bad Credit Information

Credit bureaus don't care about the whole story behind why you have bad credit. Even if you had a great credit score before, a negative entry such as bankruptcy, foreclosure, repossession, or a collections entry could completely change your ability to get credit. Like so many other Americans, you may have a solid reason for disputing a negative credit entry. Perhaps a divorce proceeding left your ex-spouse responsible for paying your joint debts, and he or she didn't make the payments, devastating your credit score.

Or, maybe you were an authorized user on a credit account and the primary account holder defaulted on payments, damaging your good credit. The list of possibilities goes on and on.

There are many reasons entries on your credit report could be technically "inaccurate" or linger long after they should have been removed.

If you are fighting an uphill battle and feel like you are destined to live with bad credit, there's good news! If you have negative items on your credit report that do not belong there, these items can be legally deleted. This is where the experts at Lexington Law can hep restore your credit, putting their experience with the credit laws to work for you.

Lexington Law deletes thousands of questionable bad credit listings from their clients' reports every day. They want to help you get the credit you deserve.  

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