Can we dispute our own official credit scores?

Many of us wonder even if it is this legal to do so. Well, YES, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act)! This article is meant to provide important information about the possibility of having credit restoration.

For starters, you should know on what is your credit score based. Credit scoring is based on many factors that may include:

Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history

Under the Equal Credit Opportunity Act, credit scoring may not use gender, marital status, national origin, race, or religion as factors.

So, getting to the point: can bad credit be deleted? Well YES! Negative credit listings are deleted from peoples’ credit reports each and every day! Still, you might need to get some professional support and assistance. Companies specialized in credit repair in Phoenix will use very venue...