Success Credit Service

This company promotes their credit repair services primarily through appearances at seminars offering real estate investment or other business opportunities. They also promote themselves via audio podcasts on third-party Web sites and through their own Web sites. They claim to have special relationships 'with every creditor collection company public records provider and credit bureaus ' and that because of this they can perform 'hard' or permanent deletions of all kinds of derogatory information from consumer's credit reports. Consumers typically must pay advance fees ranging from $3 000 to $4 000 per person.~~We urge careful consideration of this company's offer. By law accurate information stays on your credit report for seven to ten years. Accurate negative information can only be removed by with cooperation of your creditors and this usually involves paying all or some of the debt. In some cases while in dispute the credit bureau may remove negative items from your credit file but in the event that those items are verified as valid by the credit bureau they will be reinstated on your credit file. Any company offering to assist you in modifying correcting or improving your credit report may not take money in advance before performing services for any reason even as a deposit. Also the services must be performed within 6 months of the contract date and the contract must contain a five day cancellation clause as required by law. The contract must also include a detailed list of the specific services to be performed.