Though most organizations consider the credit score to be an indicator of the financial health of the individual, a person can have a bad credit score due to factors beyond his or her control like poor health or incorrect reporting by any of the credit reporting agencies. This can adversely affect the ability of the person to get a credit card or loan.
However, it is now possible to fix credit and improve your credit score by using the provisions of the Fair Credit Reporting Act. There are many specialized firms which offer credit repair services. They write to the relevant credit reporting agencies and ask them to remove any negative item in a credit report which cannot be supported by adequate proof.
Two credit repair programs are available – Essentials program with a professional case adviser, unlimited disputes to credit bureaus, online dispute strategy management and the Essentials plus program includes custom validation letters to creditors and a letter of recommendation.