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    Validation of your Accounts

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    Credit Repair

    Restoring bad credit
    Credit bureau dispute

Credit Repair

The most popular method for restoring bad credit is the credit bureau dispute. Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified.

When you dispute a questionable negative credit item with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports. If the credit bureau cannot verify the accuracy of the item, then they are required to correct the listing or completely delete it from your credit report.

Another facet of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts.

By using some or all of your legal rights to fair and accurate credit reporting, we will assist you in attempting to restore your credit and improve your credit score.

Macklock National Credit is a for-profit consumer assistance company that is currently in the process of qualifying to do business throughout the United States. The company does not offer its services or accept any new clients in any states where it is not qualified to do business nor in the state of Georgia.