I know many people who suffer from the belief that only time can fix bad credit and simply wait around hoping for the magic credit "cure" for their report score. Reality wise, time is only one small factor including many which will fix a credit report.

Time does not heal all wounds.You do not have to sit around "hoping" that one day those pesky little "collections accounts" or "negative" items grow legs and remove themselves. The credit laws and acts were written with the consumer in mind and with the best interests of the consumer, not the credit reporting agencies.

So back to time and how to avoid all this pesky waiting and patience when it comes to credit repair and removing negative items from your credit report. The Fair Credit Reporting Act, a consumer protection law, states that the only negative information which can remain on your credit report is not what is accurate....but what can be PROVED as accurate.

This is great news for the consumer as the rules and guidelines to follow when it comes to PROVING a negative item is accurate are complicated and hard to follow exactly. The good news from all of this is that if you do have negative items on your report, there may be something you can do about it.

The first step is to obtain your credit report and view any negative items that are on your rating. Next you simply need the knowledge of what steps and guidelines have to be followed in order for the item to be proved as accurate and start the process of checking whether the guidelines have been followed.

Using dispute letters and the right technique, a person can improve their score dramatically with little effort. As long as it is done right and with the proper education on credit, restoring your credit to a better rating has never been easier. It is vital that you have good information on how to dispute these items and get them removed, just as important as it is for the reporting agencies to obtain proof that the reporting is 100% accurate.

You need to know the right techniques in order to improve your score and get items removed or else, you may accomplish nothing. Although all it involves is a little bit of your time, credit dispute needs to be done properly to have the right affect and actually produce the results and get items removed. There are many programs that offer the "quick fix" to removing negatives or simple and "super fast" methods.

The truth is that although it takes only a little bit of time, it still needs to be done correctly and most of these books or pamphlets will just give you "cookie cutter" dispute letters and nothing original to at least get you started. A comprehensive guide of removing negative items from start to finish is really needed to get you from that first step to the very last and not leave you somewhere any between uncertain of which way to turn.

You need a book that will walk you through all the steps and the procedures for getting these items removed. In the end, the process is really no more than a method of communication which exercises your consumer protection rights and gets you back to the credit score you deserve. Either way, it is impressive to learn that it can be simple to do it for yourself and remove these items without having to pay a credit repair agency a ton of your hard earned money to do it for you. Find the right book and you are on your way to removing those negatives and gaining back your financial control.