When you sign up for our free service, you must choose the items appearing on your credit report you feel are incorrect, unfair, or questionable. You then can contact your creditors to demand their removal. If the creditors do not fix the mistakes, you can up the pressure and give new information as to why this item should be removed from your reports. Additionally, as your credit improves - we provide tailored recommendations for credit building products such as low interest credit cards, personal loans as well as auto and home loans.