The Credit Bureaus insist that individuals cannot repair their credit without waiting 7 to 10 years for negative items to be removed. Don’t believe that. The Fair Credit Reporting Act says that if the items on your credit report aren’t reported 100% accurately and 100% verifiable by the creditors, then the items must be removed from the report.

Approximately 79% of all credit reports contain errors and aren’t verifiable. If creditors can’t prove it, they must remove it! Often times when accounts are closed, charged off or discharged, the creditors do not have the supporting evidence to verify the legitimacy of an account within the 30-day timeline they’re given. Their inability to document and support their reporting results in deletions that will raise your credit score!