Bad Credit, such as charge offs, judgments, and other negative listings can be deleted and removed from your credit report

The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.

Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit.

Lexington Law is a law firm that specializes in credit report repair and has successfully deleted negative credit including:

• Charge Offs
• Judgments
• Late Payments
• Repossessions
• Collections
• Bankruptcy
• And More!