The short answer is Yes, every consumer has a legal right to repair their own credit.
It’s not a matter of could you but a question of should you?
In order to properly repair inaccurate bad credit, it is helpful to understand the credit laws, rules and guidelines which govern the credit system. During an investigation into the credit bureaus and the difficulties individual consumers can face when attempting to dispute items on their own credit, CBS 60 Minutes news correspondent, Steve Kroft commented that it is very difficult for the average person to fix such problems themselves. Watch the 60 Minutes report on credit disputing

Illinois Credit Services has helped thousands of consumers through our proven system of repairing bad credit.

Every consumer’s credit is different and when unverifiable negative information is disputed, the responses from the credit bureaus and creditors can vary. On average, our past clients have chosen to subscribe for 5-6 months of services but ultimately it is up to you how long you wish to subscribe to our services. You are never locked into a minimum number of months. You can cancel at any time without any cancellation penalties or fees.

Credit disputing and the credit repair process does NOT eliminate a legal obligation you may have to pay a debt. One of the most important aspects of having good credit is paying your bills on time. Just because your credit report reads that you owe a debt does not necessarily mean that you have a legal obligation to what that information is stating.
The Federal Trade Commission reports that 78% of all consumers credit report contain errors.
Conversely, it also does not mean that you do not owe a debt if the information is not contained in your report.

ICS will never recommend that you do not pay a legitimate debt however, there is information you should be sure to consider and how making a payment could have an impact on your credit report and scores. 

If you believe you are one of the 78% of all consumers which the FTC states have errors on their credit reports, then credit repair may be for you. Remember, credit repair does not eliminate your legal obligations to your debt and you should always pay your bills on time. If you can not afford to pay your current bills on time, then credit repair may not be for you. 

How Can I Recognize Credit Repair Scams?
There are a lot of credit repair scams out there. Illinois Credit Services does not participate in illegal or unethical credit repair practices.
You should be aware of any person or company suggesting any of the following:

• Credit Sweeping – that they can delete accurate information
• Get you a new identity
• or require upfront payment before their services are completed

All of these are illegal and you should avoid doing business with any company or person suggesting such things.

Remember, working to repair your credit is absoolutely legal when done correctly and within the guidelines of federal and state laws.  At Illinois Credit Services, we are a bonded and registered credit repair organization.

• Collections,
• Late Payments,
• Civil Judgments,
• Repossessions,
• Foreclosures,
• Bankruptcies,
• Chargeoffs,
• Incorrect Balances,
• Employment Information.

Credit repair does not eliminate your obligation to pay legitimate debts. Credit repair is the process of working toward repairing inaccurate, unverifiable, or obsolete information. If you owe a legitimate and legal debt but it is deleted from your credit report for any reason, you will still owe the debt.