The consumer has legal right regarding the information that is reported to and stored by the credit bureaus. Credit repair specialists help consumers take full advantage of their legal rights.

How can I repair my credit report? If any information on your credit report is inaccurate, out-dated, unverifiable or misleading, you can dispute this information. Credit repair specialists can help you if you do not have the time or the know-how.

Will establishing good credit repair my credit report? While establishing good credit is always a good idea, even if that means obtaining a secured credit card, good credit does not outweigh bad credit. Most lenders look at your overall credit score, most evaluations are done by computer these days, so if you credit score is below a certain number you may not qualify for lower interest rates, or you may be denied credit completely. Reputable credit repair specialists should evaluate your individual situation, before promising results.

Can I repair may credit report on my own? Yes, it just takes time and patience.

Can I repair my credit report if I still have outstanding debts? No. While you may be able to have negative items removed, if the debt is still owed, the creditor may just report the information again. Reputable credit repair specialists do not recommend that you try to have items removed from your credit reports which are accurate, only that information which is inaccurate, misleading, unverifiable or out-dated.

Can I repair may credit report if I have declared bankruptcy? It is possible that you may be able to achieve some results if you have declared bankruptcy. Many people believe that bankruptcy wipes their credit report clean, but it only releases you from overwhelming debt. It does not remove information from the credit report that led to the bankruptcy in the first place. If you have a past bankruptcy and you are trying to improve your credit rating, it might be wise to contact credit repair specialists that are associated with a law firm. They will probably be able to offer more assistance than credit repair specialists that are credit counselors.

Where do I go to view my credit report? The website www.annualcreditreport.com has been set up to allow consumers to easily view their credit reports on line. Companies that advertise as credit repair specialists and attempt to charge you for copies of your credit report are not being honest. If you need more than one copy of your credit report per year, then you may have to pay for additional reports, but this payment should be made directly to the credit bureau.

Can credit repair specialists repair my credit report for me? They can help. You will be involved throughout the process, because the credit bureau will only communicate directly with you.