If you disagree with any of these, please email us...
  1. Bankruptcies and any other public record items like liens will stay on my credit report for 10 years, and all other credit blemishes will stay on my credit report for 7 years.
  2. Credit Repair Organizations can clean up my credit better than I can.
  3. Credit Repair Organizations can clean up my credit quicker than I can.
  4. It is cheaper for a Credit Repair Organization to clean up my credit than doing it myself.
  5. I would have to invest a great deal of time to clean up my credit.
  6. Creditors and Collection Agencies (and Junk Debt Buyers) only supply updates to the Credit Reporting Agencies once a month.
  7. It will take up to 30 days for an update to occur on my credit report after a change has been submitted.
  8. There is no need for me to check my credit with Equifax, because I have a credit report from Experian and it will list the same line items that would be on my Equifax credit report.
  9. Collection Agencies are not legally allowed to remove any information from you credit reports.
  10. Once an inquiry is posted to my credit report, it will stay on my credit report for 24 or 25 months and there is nothing I can do about it.
  11. Once a Collection Agency tells me that that they will not delete an entry for some type of payment, then that is it.
  12. Even thought the Collection Agency said that they wouldn’t delete an entry from my credit report but would mark it as “Paid”, I might as well pay it since it will report on my credit report as “Paid” and that is viewed more favorably with new potential creditors. (Only with mortgages).
  13. I have to have perfect credit to get the best mortgage rates and the best prime credit cards.
  14. The fewer credit cards that I have, the better.
  15. If I have an old credit card that I do not use anymore, I should close it.
  16. I carry balances on my credit cards because the credit card companies love me to and it helps my credit score because it shows that I use my cards and can manage to make the month payments.
  17. Once I have bad credit, it will take 7 years for me to start with a clean slate, and there is nothing I can do about it.
  18. Everything on my credit report is accurate.
  19. Even though my old credit card charge off is 10 years old, I still have to pay it.
  20. I can’t fight Collection Agencies, because they have so much proof that I owe the debt.
  21. You only have one FICO Score. Since your credit reports are all the same, you FICO score for all three would be the same, so you only have one FICO Score.
  22. I went on a web site to get a copy of my credit reports, and it gave me a credit score. This must be my FICO Score.
  23. Once I am denied for a credit card by a particular bank, then that is the final answer.
  24. Since I was denied by Wachovia for a credit card, then there is no sense for me to apply with Bank of America for a credit card, since they both probably have the same credit lending guidelines.
  25. When I speak with customer service representatives of Collection Agencies on the telephone, I can be assured that they will live up to what they verbally agree to.
  26. My credit reports lists an account with XYZ Financial, with an account number similar to my ABC Bank Visa card with a balance of $2000. I must owe this $2000.
  27. My credit reports is a snapshot of my character.
  28. Making payments to a Collection Agency will help me rehabilitate a Charged Off account.
  29. XYZ Financial bought an old 10 year old credit card debt of mine and lists the account with an opening date of today on my credit report. I know owe this money again, and it will take 7 years for it to fall off my credit report.