If you're experiencing credit issues and considering using one of the services that you hear advertising that they can fix your credit reports legally, don't do it.
Most of these companies try to persuade you to do things that you may not know are illegal, but they are.
There is a lawful way to fix your credit report, but you don't have to rely on someone else to do it.
If you have the time to expend in it, and the make your mind up to do what needs to be done to fix your credit report, you can do it yourself.
The initial step you need to take to fix your credit report is to request a copy of your credit report from each of the major credit reporting agencies.
These agencies are Equifax, Experian and TransUnion.
Once you have done this and have all of the credit reports in front of you, it will be time to put your nose to the grindstone and fix your credit reports.
Once you obtain your credit report from all of the agencies, you need to evaluate them.
Look for everything that does not belong, like a loan that you didn't apply for or a credit card history when you never had a credit card.
Furthermore be sure to check the address and employment histories.
Should you discover something that you desire to dispute, write it down in detail and alert the credit reporting agency.
If there is a valid negative history on your credit report, you are going to need advanced tactics to deal with this concern.
Be careful.
This is where many shady credit repair services can encourage illegal action.