*Loan,banking and credit>>>credit repair

Has anyone used the free credit repair kit on this website?

http://www.expert-credit-advice.com/free...

I have a question about letter # 3 "Request to delete inaccurate information.

If an item is inaccurate, do you have to give a reason why?

Or can you just say it's inaccurate?

The credit bureaus have to tell you why it is accurate right?

I visited the site.
It is just another money lending outfit.
There is no such thing as 'free credit'. You always pay somewhere down the line.
I would be healthily suspicious.
If you are looking for a loan, how about your asking your 'friendly' bank manager.
However ! remember they are not benevolent societies. They are looking for a profit.
Sorry ! I am just naturally cynical.

I have never used the "free credit repair kit". But you can request to have errors listed on your credit report removed yourself. There are three different credit bureaus... TransUnion, Equifax and Experian. You are entitled to one FREE credit report annually. You can either visit their main company website or your can go to www.annualcreditreport.com to obtain all three credit reports for FREE. Review it thoroughly because not all three reports will be identical, some creditors may report to one bureau only while others report to all three. Yes you have to state the reason you think a listing is inaccurate. You can dispute any information that you think is invalid by contacting the credit bureau directly. You will need to fill out an online form and answer a few basic questions and they will investigate. The credit bureau will contact the creditor and verify the information you provided. You will be notified of their findings. Keep in mind that if the creditor confirms that the information they reported was correct, then the bureau will not remove it.
The only accurate way to "repair" your credit is by yourself. I thought that I had the worst credit and automatically was applying for a prepaid cell phone. Turns out that it wasn't thaaat bad but bad enough that they turned me down for one of the better plans. However, I did request a copy of my free credit report that I was entitled to. Upon receiving it, I was absolutly shocked. They had several different addresses for me of which I had never lived. There were at least 5 different social security numbers listed, and of course debts that were NOT mine! I called them and they said that somehow my info had gotten tagged with another person's info. Huh! I don't know how many prospective employers saw this let alone anyone else. It made me look like a con artist. I know this is a long story but learn from it please. Always check the status of your credit report!!! I did finally repair my credit report.