Fact: Accurate negative credit information can NOT be erased unless the creditor fails to validate or proves it.
Things that you will be able to do as a subscriber :
- Improve your credit rating;
- Demand Proof of Debt ( Validate Debt)
- Remove account if Validated
- Dispute of Inaccurate Information
- Remove or Correct Inaccurate Negative Information
- Remove Expired or Debts that are past the Statue of Limitations
- Remove Debt that is not yours
- Correct Bankruptcy Information
- File Motion to Remove Judgment of Public Record (If your State Allows It.)
- Remove Judgment from Record (If motion is granted by the Court)
- Remove Unauthorized Credit Inquires
- Update all 3 National Credit Bureaus
- Maintain Credit Profile Compliance
- Understand your FICO Score
- Receive Annual Free National Credit Reports
- Instantly Respond to any Derogatory Items
- Optional, Receive Instant Inquiry Notifications with Credit Monitoring
- And Many other Benefits……..
Things you cannot do:
- Remove Accurate Information (positive or negative, though the creditor has to prove it is accurate).
- Remove Judgments without a Court Order
- Remove Verified Accurate Inquiries
- Make Debts Disappear
- Make a New Credit File
Accurate Credit Information cannot be erased from a credit report within seven years of the reporting period. The only information that can changed are items which are actually wrong, or are beyond the seven year reporting date. If you have a poor credit history, time is the only thing that will heal your past credit report and rebuilding new credit to leverage out your score.