Each case varies significantly. The most important variables are how involved your credit problem is and the responsiveness of the credit bureaus.

No. Most of our members do not know everything that is on each of their reports.

No. The fact that a derogatory piece of information is paid has nothing to do with its being removed from your report.

That assumption would be logical but IS NOT true. Then again, the credit reporting system just does not work according to logic.

Occasionally, the creditor will verify an item that has been deleted. The newly amended Fair Credit Reporting Act has provisions to protect you against items being re-reported on your report.

Absolutely. You can repair your own credit, represent yourself in court, be your own doctor, change your own transmission in your car or paint your own house.