Posted On: August 26, 2008, 9:20 am CDT

Posted By: Dawn

If it were that easy to fix your credit report, there'd be no problem. It's NOT. It's the responsibility of the individual to find the errors, but once you call attention to it, it's out of your hands. It's up to numerous other individuals that may or may not do their job correctly or in a timely fashion.

And like I said, the entire history. It's not a matter of 'taking someone's word for it' if the credit was good, then all of a sudden in a one or two month period, it dropped drastically.

If you know how to read a credit report, it would only take about an extra minute to scan the payment history of any individual. That alone should be enough to determine if the circumstances are a sudden event or a long history of non-pays.