Fixing your credit history may seem like a big task. We all have heard the stories of how hard it is to remove errors from your credit report. This leads many consumers to turn to credit repair agencies to quickly clean up their credit.

Common scams include the promise that negative information will be deleted from your credit report. This doesn't happen unless the information can be proven false. No one is ever allowed to alter or delete information other than the credit bureau. You have to go through them to have info removed. An agency cannot do it for you.

The fact is that you cannot remove accurate information from your report. You can easily have false information removed yourself. I recently had my mother's credit card account somehow show up on my credit report.