Will the credit bureau automatically remove the incorrect information from my report? The credit bureau will review your letter or request for reinvestigation form. If you are right, or if the creditor who provided the information can no longer verify it, the credit bureau must remove the information from your report. Often credit bureaus will remove an item on request without an investigation if rechecking the item is more bother than its worth....

What should I do if I find mistakes in my report? As you read through your report, make a list of everything out-of-date, such as: Lawsuits, paid tax liens, accounts sent out for collection, criminal records (but not criminal convictions), late payments and any other adverse information older than seven years. Bankruptcies older than ten years....

Credit bureaus get most of their data from creditors and collection agencies. They also search court records for lawsuits, judgments and bankruptcy filings. And they go through county records to find recorded liens (legal claims) against property....

This book contains in-depth information on all aspects of credit repair. Easy-to-use forms in Appendix 3 and on the enclosed CD-ROM help you with the sometimes daunting tasks of assessing your debt situation, planning a budget, contacting your creditors or bill collectors, and dealing with credit bureausall necessary steps in repairing your credit. (Instructions on how to use the forms on the CDROM are in Appendix 4.)...

Whether youve fallen behind on your bills, been sued or even declared bankruptcy, this book can help you take simple and effective steps to repair your credit. As you read, keep in mind these four important points: Youre not alone. The economic downturn has affected many people. Disposable incomes are down and savings are evaporating. Millions of honest, hard-working peoplethe same ones who received credit offers almost daily in better economic timesare having problems paying their bills. And over one million people file for bankruptcy each year....