It is against the law for a business to accept money for credit repair before the service has been provided. Only inaccurate information can be removed from your credit report. Negative but accurate information will drop off your report over time. Only time and practice of good credit management will remove that negative information. Credit Reporting Bureaus can be found in the yellow pages of your telephone book.
Most credit reports come from the three largest credit reporting agencies.
Send comments to Tennessee Division of Consumer Affairs.