Credit Jerk Blog

I hear it all the time.  Someone asks a question on a forum, blog, or question site like "How do I improve my credit score" or "How do I remove bad credit".  Without fail you will see some "financial expert" saying "You can't remove bad credit off your credit report" or "There is nothing you can do to improve your credit score, it just takes time."

These statements couldn't be further from the truth.  I don't even know why these "experts" think that.  The Federal Trade Commission, yes I said FEDERAL, passed the laws allowing you to dispute items on your credit report.  This isn't something I made up or somehow I'm cheating the system.  It is a law.  You can improve your credit score and you can remove bad credit off your credit report.

It isn't just me either, hundred of thousands of people improve their credit scores every year by removing bad credit.  Lexington Law Firm has reported removing over 1 million negative items in 2009.  Wow, 1 million items removed and these experts keep saying you can't do it.

I'm just a little annoyed at false information and bad advice from people that don't know what they are talking about.  You can do credit repair and you can improve your credit score and don't let anyone tell you otherwise.