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chele2425

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Hi-can I repair my credit report or should I contact a lawyer

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Credit report is your history

Can you go back in time to change the grade you got on an important final exam?  NO!

You cannot change history and a lawyer won't help, either.  If what is reported on your credit record is not yours (and credit bureaus can make mistakes) then you should file a dispute so they can investigate and correct wrong entries.  Instructions for filing disputes are on your credit reports.  Even if the true information shows slow pays, charge-offs and other negative information, it cannot, by federal law, be changed.  You just have to wait until the time period for deleting information passes.  In the meantime, make all payments on all accounts on time and work to pay off debts quickly.  That will put positives on your reports.

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