How can I quickly clean up my credit history?
Unfortunately, there’s no way to quickly clean your credit reports. Under federal law, the credit bureaus have 30 – 45 days to conduct their investigations when you dispute information. If the credit bureaus can verify the information on your credit reports, it can remain for up to seven to ten years.
Paying down credit card balances is a great way to improve your credit profile, but even then, you may not see the updates immediately. Many creditors only send information once a month—sometimes even less frequently than that.
Remember that cleaning your credit takes time, but in the end, it’s worth it.
Benefits of having a clean credit report
There are many benefits to having a clean credit report. Good credit increases your odds of getting approved for new credit and lower interest rates. It can also help you secure an apartment or employment. Consumers with good credit also usually pay lower insurance premiums.
Born and raised in Salt Lake City, John Heath earned his BA from the University of Utah and his Juris Doctor from Ohio Northern University. John has been the Directing Attorney of Fast Credit Repair Solution since 2004. The firm focuses primarily on consumer credit report repair, but also practices family law, criminal law, general consumer litigation and collection defense on behalf of consumer debtors. John is admitted to practice law in Utah, Colorado, Washington D. C., Georgia, Texas and New York.
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