Well they are not too good to be true! Sure the Credit Bureaus, Bankers, and so-called credit repair experts will all tell you that ONLY “inaccurate” credit items can be removed from your credit report. They’ll tell you with a straight face that “accurate” negative credit items cannot be removed.

According to these phony experts it will take you between 7-10 years before “accurate” credit items can be removed and they’ll even tell you that trying to remove accurate negative credit items is against the law. Then they’ll tell you that anybody that tells you different is scamming you.

Well the real truth is quite the opposite and you can find it on page 37 of the Fair Credit Reporting Act (FCRA).

This 1971 Fair Credit Reporting Act states that a consumer reporting agency is NOT required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated or if it CANNOT BE VERIFIED.

Furthermore, there are a handful of Appellant Court cases that are based on the FCRA where the Appellant Courts defined the term “Verified” for us stating that a credit reporting agency is required to have a copy of the original signed credit application application document that was used to open the account verifying that the account they are reporting on belongs to you. They can’t just parrot the words of the creditor “the item has been verified”. Appellant Courts have already ruled on this. The Courts have interpreted this all important clause in the Fair Credit Reporting Act

Credit Bureaus don’t have the credit application or any other documents concerning any of your accounts in their files therefore they can’t produce it when you request it from them in writing so the account is classified as “UNVERIFIED” and the Fair Credit Reporting Act specifies that they must DELETE all unverified accounts if you request in writing to have them delete these items. Whether the account is yours and or is accurate doesn’t matter if you use the credit dispute letters in this package that you can get instant access to today!

The credit bureaus will ignore the FCRA & the Court of Appeals decision if you allow them to and they’ll continue to act as if they don’t have to verify anything if you let them.

They will tell you that it is the Creditor who is responsible for providing you with the verification document not them. If you follow the simple step-by-step set of instructions that comes with the “Section 609 Do-It-Yourself Credit Dispute Letter Package” you’ll know exactly how to deal with them and force them to follow the law set by the Appellant Courts.