These services are often a group of lawyers and paralegals that will work to remove negative information from your credit report. Primarily they are going to use the fair credit reporting act as a basis to have the negative information removed.

 This piece of legislation requires that the bureaus investigate a consumer's credit report if they file a dispute. To file a dispute you must write a letter to each bureau in which you identify the item you are challenging. If you want to know ...
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