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Credit repair is that you can only remove actual items that you can prove beyond a shadow of a doubt that they are not yours, it is the process of challenging & verifying erroneous, inaccurate, & unverifiable infomation on your credit report and essentially a process of disputing negative information on your credit report by disputing it with each major credit bureau.

Credit Repair Issues :

Since the method used to calculate the credit score is essentially just a complicated formula, one can change the score by causing changes in the variables that are important factors in the equation.

In December 2004, the International Organization of Securities Commissions (IOSCO) published a Code of Conduct for CRAs that, among other things, is designed to address the types of conflicts of interest that CRAs face. All of the major CRAs have agreed to sign on to this Code of Conduct and it has been praised by regulators ranging from the European Commission to the U.S. Securities and Exchange Commission.