If the credit issuer agrees to the terms, the credit bureau has to remove the outstanding debt from the report. And a good credit repair service will be diligent in pestering the often-slow bureaucracy of credit bureaus. The Public Interest Research Group had its own members request their credit reports for a 1998 credit report survey . Twenty-two of the 155 requests were never honored, despite repeated efforts to shake them free from credit bureaus. A good credit repair service will pressure a slowpoke credit bureau, Miller says.
Credit bureaus represent their clients and their clients are the creditors.
They have to defend their clients' interests, which is why they don't want any debts wiped from the report, because they would end up losing money. That's why they put up so much resistance. These claims may seem simple, but they take time and persistence. At the high end, customers receive a lot of personal service, including in-depth financial analysis and counseling. Credit repair company rules False claims and fraud led to a new federal law that firmly spells out the limits for credit repair companies.