Some consumers pay so-called credit clinics hundreds of dollars to fix their credit.
Only time can heal a bad credit report. You can dispute any inaccurate information that is on your credit report. Federal law mandates the time periods negative information can remain on your credit report. If you have a dispute, save your money, the credit bureau can help you correct inaccurate information at no charge to you the consumer. Contact your local credit bureau today if there is inaccurate information on your credit report.