The laws are in your favor. The intent of the Fair Credit Reporting Act (FCRA) of 1970 was to ensure that personal information reported to creditors and credit bureaus was fair, accurate and private.

According to the FCRA, you can challenge whether the information on your credit report is complete and accurate. The credit bureaus must complete their investigation within a reasonable time, generally 30 days. If after this time the information is found to be inaccurate or cannot be verified, it must be deleted.

Credit restoration is not in the creditors’ best interest because they can charge higher interest rates to someone with a negative credit history. Because of this, most people who try restoring their credit themselves find the process aggravating and time-consuming.

Moreover, many people do not have the time or desire to determine how to restore their credit. RCS makes it easy with our credit counselors and our 1-2-3 process.