By law, consumers can request an investigation or a reinvestigation of facts and information in their file that they think are inaccurate or incomplete, she said. There is no charge for this service. If a problem is found, the credit bureau will correct it. Consumers should never pay companies in advance for credit repair services, Wright said. It is illegal for telemarketers who offer credit repair services to request payment until six months after they have delivered the services.
Consumers can do their own credit file check with help from local credit bureaus.
Credit bureaus provide a free credit check for people who have recently been denied credit. In other cases, a fee is charged. If you make a habit of paying bills on time, eventually, the good will take the place of the bad.