Removing bad credit from your credit report.

There are simple steps that you can take to clean up your credit record and remove unwanted items

Now that America is in the midst of this "Credit Crunch" in 2009, "650 is the new 550" and "700 is the new 600" as far as credit scores go. With a score under 600 to 650, it almost impossible to get a car loan, mortgage, or descent credit card these days. Your credit report can contain unwanted or untrue items... mistakes made by creditors or the credit reporting agencies. These items can bring down your overall credit score drastically.

Know where you stand and be proactive. Remove bad credit from your credit report.

The law is on your side. You can take steps on your own behalf to get bad credit, late payments, charge-offs, defaults, etc. removed from your credit report. You can dispute unwanted/untrue items on your credit reports with the three main credit agencies - TransUnion, Experian, and Equifax. One you register a dispute, the clock starts ticking. The reporting agency has 30 days at that point to verify the item or they must remove it. That's the Law.

There are two routes that you can take

Do -it-yourself. If you have the time, you can follow simple steps to dispute each unwanted item on your credit report. Click here to get a Do-it-Yourself Credit Repair Kit.
or
Get a professional credit restoration expert to repair your credit. There are lots of companies that claim they will remove bad credit from your credit report. The two most trusted expert credit restoration companies, as rated by several independent agencies, are Lexington Law and Ovation Law.

Now is the time to remove bad credit from your credit report and increase your credit score. Do not be complacent or you will be left behind in this new credit reality. If you are worried about your credit score, then you probably need to raise it. Take the steps to remove bad credit yourself, or if you don't have the time to commit to it, have one of the trusted companies above/below do it for you.