National Credit Fixers is a reputable credit repair company that can legally remove negative items off of your credit reports and help you qualify for the best rates possible! Information contained in your credit file must be reported according to a law called the Fair Credit Reporting Act (F.C.R.A.). If the information isn't accurate or verifiable then it must be deleted. This means your FICO scores will go up as a result. We use the Fair Credit Reporting Act (FCRA) which is a federal law designed to protect you from being "slandered" by creditors, collectors, and credit reporting agencies. According to the law, a disputed credit account must be accurate, complete, and verifiable for it to remain on your credit report. All inaccurate, incomplete or unverifiable accounts must be removed or updated. We have removed bankruptcy, foreclosure, repossessions, late payments, charge offs, collection accounts, judgments, and many other negative credit items.