Rebuilding credit will take time, but your credit rating will be worth the wait!

We went through a series of reasons on the last page of how and what you can use to challenge negatives in your credit reports while pursuing credit repair.

The previous reasons are all legal reasons to challenge negative items in your credit reports and so is the next one!

Misleading! This one requires a little more creativity on your part, but be honest here and it will work for you too! To mislead is setting a particular set of facts in motion to get the recipient to arrive at an incorrect conclusion. Rebuilding credit will be more difficult if this is not challenged, so be persistent! This part will be more difficult to accomplish!

For instance, do you have a late payment on your report that could have been late, but your creditor agreed to remove if you gave them another payment while they have you on the phone? I had one of these!

Is the late payment history extended further than it should have been? For instance, were you almost 60 days late but your credit reports show 90 days or longer? I had three of these!! Re-establishing credit was at a standstill until I got these removed.

Did a creditor re-age a negative in your credit report? Like this, you challenge an item and it dissapears for a time and when it shows back up on your credit report, the origination date has been changed to reflect the new date of when the item was re-posted! I had two of these! One was re-posted by a finance manager. A little threat of a lawsuit about his game playing got this one removed!

These methods of manipulating my credit report by my creditors using misleading tactics was a good reason to use a credit repair specialist and they helped me a lot with this category! I'll include a link to the section called credit repair specialist at the bottom of this page.

You will find a refferal there for Lexington Law Firm which I used and highly recommend! They are a credit repair specialist that is completely legitimate and and can bve trusted to do what they promised, but don't forget, they need constant input from you!

So you see, it can be very lucrative for you to get creative about legally challenging negatives on your credit report while in the process of credit repair and rebuilding credit!

There is more on this and I'll add it later, so stay posted and get my RSS feed! I constantly update and upgrade this site with new information.

OK, Now you probably have questions about credit monitoring services.

Good for you! You should and you should be looking into a monitoring service and I have a section on credit monitoring you should read too. You can get to it by clicking the link below.

My favourite service is Equifax 3 in 1 because it has been the most accurate! Click here to read about credit monitoring. Click here to go back to the first page of rebuilding credit.