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Legal Plan?
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<blockquote data-quote="TooTechie" data-source="post: 1434803" data-attributes="member: 28388"><p>Wrong. There are credit repair services which obtain credit reports from the major bureaus then dispute all negative items. The credit bureau tgen contacts the creditor to obtain proof. If the creditor does not have proof or if the bureau does not respond within 30 days then they must permanently remove the negative item. This is a legitimate service as people often have errors on their reports that they don't know how to resolve. </p><p></p><p>1) That being said a couple of notes:</p><p>People can do this process themselves without a service/law firm.</p><p></p><p>2) Some of these companies are disreputable and barrage the credit bureaus until they don't respond in time so they have to remove it which works but is unethical. Some of them also take your money and do nothing.</p></blockquote><p></p>
[QUOTE="TooTechie, post: 1434803, member: 28388"] Wrong. There are credit repair services which obtain credit reports from the major bureaus then dispute all negative items. The credit bureau tgen contacts the creditor to obtain proof. If the creditor does not have proof or if the bureau does not respond within 30 days then they must permanently remove the negative item. This is a legitimate service as people often have errors on their reports that they don't know how to resolve. 1) That being said a couple of notes: People can do this process themselves without a service/law firm. 2) Some of these companies are disreputable and barrage the credit bureaus until they don't respond in time so they have to remove it which works but is unethical. Some of them also take your money and do nothing. [/QUOTE]
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