Shane - have some class.  Just because someone has a different opinion than yours or knows more on the subject is no reason for such remarks.  Scam artist are everywhere.  I hope you're not one.  Every legitimate Real Estate agent and Mortgage broker with any type of common sense knows you either correct incorrect information or you compensate the bad accounts with good ones.  I realize there are many that use the "system" to illegally remove derog accounts and get paid for it.  Here's a couple links.

http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm

http://www.fraud.org/tips/internet/creditrepair.htm

Buy the way...is this what you do for a living or do you refer the clients to them and receive a fee.  You must be paid somehow for you have such a reaction from a simple post. 

Chane - no need to apologize to me I was never offended by your comments just found them amusing...once again you've spun things a bit.  The Federal Law states the items the consumer is disupting are accounts that are HONESTLY incorrect.  If I have this law wrong, then please email me the document "highlighted" where is states you can lie and it's O.K.   I won't both to check my email for it because it doesn't exist.  BTW -I've never thought the credit bureaus were anyone's friend, no need to remind me.  Here is where we both agree.  In my opinion the whole credit system is dishonest.  They don't have to double check the information given to them.  This should be a requirement, but two wrongs do not make a right.  Lying to the credit bureaus "hoping" the creditor doesn't respond in the allotted time is wrong.  It's fraud and if the consumer gets caught, they can be prosecuted.  The difference between the two wrongs is that the credit bureaus reports whats sent to them by the vendor/creditor.  The credit bureaus are not required to verify (stinks), but they do not purposely report incorrect info.  The duty falls on the consumer to verify and disputed INCORRECT items. 

One other instance of dishonesty in my opinion is the fact that the bureaus can supply borrowers info to sleazy brokers through the "trigger" program.  More lunch money for the bureaus.

My point, which is obviously lost on you, is the importance of telling the truth.  I know this may baffle you, but I attribute my longevity in the business (28 years) to honest and moral behavor.  I have clients who have used my services for more years than you've been born (assumption from the picture).  With that said, I have loans to close. Say what you will...I finished with your blog. 

Dorene,

I am currently using a credit repair agency and they are doing a phenominal job on my credit report.  If you think that the credit bureaus are actually out to help us, you are mistaken.  Do you know how difficult it is to remove items directly with the bureaus?  It's nearly impossible.  Hiring an attorney or credit repair agency can greatly improve your credit score.  Yes, i'm sure there are many companies that scam people, but that happens everywhere.  It's up to the consumer to check their references and the B.B.B..  Personally, I had a foreclosure removed from my report.  I don't feel that it was illegal because the I used the bank's appraisal and it happend to be fraudulent.  Of course i didn't find out until after the fact.  Bank are practicing predatory lending tactics. So we have a right to fight back and remove foreclosures.

Chane,

Your the man!  Keep up the good work..   After 4 foreclosures, I thought I was dead in the water.. Reading articles like this really helps out.   I hired a company to do the leg work for me..  Paying 35-40 a month to do my dirty work isn't going to break me..

Rick,

I completely  understand what you are saying. I as a divoced mother of three small children find myself in the same water. I it vary hard to clean your credit or even repair it like Doren states.

If you have the name of the agency helping you with your credit I would really aprecciate if you were to provide me the information.

Oh stop.  Talk about legal and illegal.  You know nothing.

The credit scoring system is the biggest scam ever perpetrated against law abiding american citizens. 

There are countless numbers of americans that have totally incorrect information on their credit reports but are helpless to get it removed.   I could type for hours about individual cases of people I've worked with.

I used to be one such person.  Even a notarized letter from the creditor directly was not good enough "proof" for the credit bureaus.  

Stop drinking the Kool Aid and spewing all this garbage about rights and laws.  The credit bureaus are PRIVATE DATA COMPILERS.  They make billions off of people with bad credit.   They don't care if your credit is good or bad and do only what they have to in order to remain in compliance.

It has absolutely nothing to do with whether an item is correct or incorrect on the credit report.  It is what the credit bureau can prove.

Dorene:

I am an attorney and I CAN speak definitively on one thing you've said. Credit repair is NOT illegal. In fact, your statements that Chane is proposing or advocating an "illegal" process is borderling defamatory, so you should watch your words more carefully.  Don't loosley flaunt that allegation and then act put-off when someone takes offense. And yes, those were your words: "credit repair is illegal." So quit trying to backpaedlle and simply admit you were overgeneralizing.

Dorene,

I really hope that you are not telling your clients that credit repair is illegal. The burden of proof is on the creditor. If the creditor can not prove specifics as outlined in the FCRA, then yes, they must remove the information from the report. In fact, negative information is not supposed to appear on your credit report until the debtor has had the opportunity to dispute and validate the creditor's claims. So technically, if this process is not followed they have actually "broken the law" and can be sued in small claims court (FDCPA Section 809. Validation of debts [15 USC 1692g]. You may want to get with a more qualified source before placing misinformation in a blog.