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bureau of your choice and ask them to contact a list of 
banks, lenders, or other creditors whose names you will 
provide, for the purpose of having the credit information 
they provide on you added to your credit file. there may be 
a small fee, but the good news is that you will practically 
be able to force a credit reporting agency to improve the 
substance of your file by putting positive entries on your 
credit report.  
The only businesses you should list are those with whom you 
have had a flawless credit relationship with. Contact the 
people on your list and let them know a credit reporting 
agency will be calling or send them a questionnaire. After 
information has been received and verified, the bureau can 
add positive items to your credit report.  
The Equal Credit Opportunity Act & Women 
Under the Equal Credit Opportunity Act, women have the right 
to build up their own credit without being discriminated 
against. Women who do not apply for credit in their own 
names are at a distinct disadvantage. In the event of a 
divorce or death of a mate, there wouldn't be a credit 
history reflecting any personal contributions. Under the 
Equal Credit Opportunity Act there is not reason for women 
to lose their identity when they are married. You can become 
familiar with all of your rights as a woman by writing to 
the following address and asking for your FREE copy of 
"WOMEN & CREDIT HISTORIES." Federal Trade Commission 
Washington, DC 20580 ATTN: Women & Credit Histories FREE 
BROCHURE 
 

Is it ethical to try and remove legitimate bad credit?
 
Yes! One of the best explanations of that is the following 
article written by Jayson Orvis, Attorney At Law: 

"Credit Repair" has not been kind to the American consumer. 
In fact, the phrase is synonymous with fraud. This is the 
stigma we face as we offer a membership wherein the client 
is offered an alternative to "credit prison." Because the 
nasty reputation of credit repair sometimes washes over into 
our space, we are often called upon to defend the ethics of 
our service. 
Despite the disrepute which taints credit improvement, our 
service is clearly analogous to the service provided by a 
defense attorney. The credit report is no more than an 
allegation. Unfortunately, most citizens never challenge 
that allegation. By enlisting the Law Offices through 
N.A.C.A. to their defense, our clients employ us to enter a 
plea of "not guilty." We take an affirmative defense; we 
offer a reasonable alibi and leave it to the bureaus to 
substantiate their allegation. If the bureau claims to have 
investigated and affirmed the allegation, we appeal the 
decision. Eventually, we find that most credit report 
allegations are at some point untenable and are removed. 
Removing record of a negative credit account, which did 
actually exist, is undoubtedly ethically sound. We belong to 
a fundamentally capitalistic civilization and the credit 
bureaus capitalize on consumer information. Unlike our legal 
system, the bureaus take no oath to truth, equity and the 
common good. No American has the moral obligation to support 
any business venture or corporation, much less a corporation 
which may well destroy their financial life. The information 
tended by the credit bureaus is ethically "up for grabs." 
The credit bureaus would maintain every piece of credit 
information forever if it weren't for federal law which has 
directed them to remove most items after seven years. In 
essence, the credit bureaus themselves practice credit 
repair, basically at the seven year mark. If it is right to 
remove accurate credit accounts after seven years, why would 
it be wrong to do so in less time? 
In relationship to the consumer, the credit bureaus do not 
concern themselves with the impact of the information. This 
information often misrepresents the credit worthiness of the 
consumer. By tagging good citizens as "deadbeats" the 
bureaus damage the creditors, the economy and, most 
importantly, the individual. Several policies and techniques 
employed by the credit bureaus appear most abusive to the 
American consumer; these we cite as justification of our 
opposition to the present credit reporting system. 
Seven years (10 years for bankruptcy and some court 
accounts) credit bondage punishes the debtor unjustly. At no 
point have the credit bureaus ever conducted a study 
determining seven years to be the point of deadbeat 
rejuvenation. The seven year mark is entirely arbitrarily. 
In fact, Dr. Bonnie Gution, adviser to President Bush on 
consumer affairs, remarked, "...it is our understanding that 
computer models that predict credit worthiness find most 
information that is more than two years old nonessential." 
Based on experience with our clientele, seven years is truly 
too long. Within a year or two, most consumers completely 
recover from an economic crisis. For the remaining five or 
six years, they are left hobbled---forced to rent homes, pay 
outrageous interest on high risk auto loans, forgo the 
convenience of credit cards and pay cash for every 
expenditure. By expelling the consumer from the credit loop, 
the economy suffers. Our clients come to us on the financial 
upswing. If they can afford our membership, they are most 
likely on the way back to financial abundance. These are 
consumers fully recovered from crisis, re-engaged to 
financial responsibility and anxious to reenter the credit 
economy. For them, we offer a deserved parole from the 
credit prison which they entered as their financial world 
fell apart. 
The credit bureaus have not been able to maintain reasonable 
accuracy in their credit profiles. The bureaus claim an 
error ratio under 1 percent. In reality, studies conducted 
by neutral third parties have determined the credit report 
error ratio to be closer to 40 percent. Unfortunately for 
the consumer, the credit bureaus choose to err on the side 
of negative information. As our clients' files have passed 
through our offices, we have noticed a high incidence of 
file mergers---the worst kind of file error. In a file 
merger, the credit of another person with a similar name is 
spread onto the file of the innocent bystander. Oddly, the 
credit bureaus fiercely resist correction of these obvious 
errors. We have found the only way to prompt them to