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 As the nation sees an increase in the pricing of nearly everything, college is certainly no exception. People are struggling to make ends meet and send their kids to college. But there is also another factor involving college that has become a problem for many families and that is keeping up with existing student loan payments from college years of the past.
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 Correcting errors on your credit report can be a tedious and error-prone process. And there are way too many eager companies out there that are willing to take your money to do it. Here’s how to find the good ones.
Now that we’ve identified the outright illegal scams out there, let’s look at the aspects of the legitimate and reputable credit repair companies.
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A consumer’s look on the legal and ethical aspects of credit repair.
Let’s start out with the facts: The Fair Credit Reporting Act (FCRA) gives you, the consumer, the right to dispute any entry on your credit report.
Plan and Simple.
Here’s another truth: There is NO LAW that states that accurate, negative marks on your credit need to stay on your credit report for 7-10 years.
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Repairing your credit yourself can be an easier process than you think. But patience and persistence are the key.
Take a deep breath.
You are about to enter a battle and the victory goes to the most persistent contender.
The process of correcting your credit report is relatively simple, but it could take a while.
The Fair Credit Reporting Act (FCRA) is a landmark piece of legislation.
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Get your answers to frequently asked questions about repairing your credit.
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What does the law say about repairing your credit?
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What is the truth about credit repair companies? Can they really do what they say they can do?
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How long can the credit bureaus keep a negative item on my credit report and what actions will restart that date?
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 What to look for to keep yourself from being victimized and how to identify a legitimate credit repair company.
The appeal of claims such as “Clean credit in 30 days! Guaranteed!” or “Plagued by poor credit? Our new credit package lets you start over with a clean slate!” can be very strong for people who financially hampered by a poor credit history.
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Credit Repair Guide 