Confidential Matters

We urge careful consideration of this company's offer. By law accurate information stays on your credit report for seven to ten years. Accurate negative information can only be removed by with cooperation of your creditors and this usually involves paying all or some of the debt. In some cases while in dispute the credit bureau may remove negative items from your credit file but in the event that those items are verified as valid by the credit bureau they will be reinstated on your credit file. Any company offering to assist you in modifying correcting or improving your credit report may not take money in advance before performing services for any reason even as a deposit. Also the services must be performed within 6 months of the contract date and the contract must contain a five day cancellation clause as required by law. The contract must also include a detailed list of the specific services to be performed. The California Credit Services Act requires companies advertising credit repair services to register with the Attorney General and post a $100 000 bond. Even if registered the Act prohibits the practice of collecting payment before providing services. To verify registration and bonding information contact the Attorney General's office by calling (916) 322-3360. If you believe your credit report contains erroneous information you may dispute the entry by calling or writing the reporting agency.