Your credit report itself does not say whether you are a good or bad credit risk -- it provides lenders with the data to make the decision themselves. Credit bureaus (Equifax, Experian & TransUnion), collect this information from merchants, lenders, landlords, etc., and then sell the report to businesses so they can evaluate your application for credit. Lenders make their decisions based on different criteria, so having all of the information helps them ensure that they are making the right decision.

Imagine this situation: You go to the Car Dealer to buy the car of your dreams and surprise! The salesman tells you that due to some "negative" items on your Credit Report, the interest of your car loan changed from 1.9% APR to 7.5%, or even worse, your car loan was denied! The good news is that we can remove those errors for you!

Credit reports have several sections:

• Personal identifying information

• Credit history

• Public records

• Report inquiries

• Dispute statements

Detailed information about your credit report is provided in the educational material provided with your credit repair plan.

Erroneous items on your credit report may cause serious impact in your finances.