Frequently Asked Questions about Credit Report Legacy

Get the answers to the most commonly asked questions on this page.

What is a credit report legacy?

Your credit report legacy is the effect the information in your credit report will have on your ability to access credit in the future. Remember that credit reports are not stagnant, permanent documents-they are fallible and also change over time. You can change the legacy of your credit report by initiating the credit repair process, which helps you rid your report of inaccuracies and unsubstantiated derogatory items.

What services do you offer?

We are a referral service, so we can steer you in the direction of a quality credit repair agency for no charge. With regard to our affiliates, they mostly provide credit repair and credit report services. When you fill out our online form, you can view quotes on these services for free.

How often should I check my credit report?

In order to maintain a positive credit report legacy, you should check your credit report at least once per year. You can do so for free online through any one of the credit bureaus. Review the report for accuracy and always challenge any items that are mistaken or dubious.

How can I take derogatory items off of my report?

If the derogatory items are valid, then you have no choice but to wait. Most negative items remain on credit reports for seven years, bankruptcies for up to ten years, and inquiries for up to two years. On the other hand, if the derogatory item is inaccurate, you can dispute it yourself with the credit bureau or hire a credit repair agency to do it for you.

What's the best way to restore my credit report legacy?

If your credit report legacy is tarnished because of poor past decisions or financial hardship, the best way to restore your financial reputation is simply to pay your bills on time and use credit prudently. Sometimes, you can also make significant strides with your credit standing by recruiting the assistance of a credit repair agency. The results of credit repair will vary depending on the severity and nature of the derogatory items in your report. We have provided a seperate page with no hassle ways to improve credit.

If I want to challenge an item on my report, how do I do so?

The law requires that you submit your dispute in writing to the relevant credit bureau. Your letter of dispute must contain very specific information, so you should consult the website of the appropriate bureau for details. Always make copies of every document you submit to the bureau for your records.