Inaccurate information or a single negative item on your credit reports can lower your credit Repair Credit with all three major credit bureaus. Repair Credit can affect your chances to obtain lower interest rates for home mortgages and auto loans. It also will increase your auto insurance rates and affect your ability to obtain employment. Repair Credit has been very successful in the past by removing negative credit items. Although you can attempt to do this yourself, many individuals have found that it becomes very frustrating and time-consuming when they do not achieve the results that we can provide. The fact is that the credit bureaus may choose to ignore your attempts or choose not to re-investigate the negative items at all.