Mistakes and other inaccurate information on your credit report aren’t your fault and in a perfect world, wouldn’t affect you. Our world is not perfect, however, and while you may not be responsible for some or all of the questionable items on your credit report, you are probably being held accountable for them.

Stop being blamed for things that aren’t your fault. Check your credit report, and make note of any misleading, inaccurate or outdated information.

Our service works by working with the creditors and credit bureaus to find legitimate reasons to have incorrect, unfair, or questionable items removed from our clients’ credit reports. Often, we can find violations of certain requirements of those creditors. If we do, we leverage those violations as a way to get the creditor or bureau to remove the item in question.

There is no simple answer to this question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant we can only remove items that show to be inaccurate, outdated, or unverifiable.

It is kind of like building a house… The builder needs to know exactly what you want and has to coordinate the process. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed.

The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs.

YOU MUST SEND AT LEAST TWO OF THE FOLLOWING:

Driver’s License
Utility Bill
Pay Stub with Social Security number
W2 Form
Lease Agreement
Bank Statement
Cancelled Check

Once a credit bureau receives a credit dispute, they have 30 to 45 days to respond. If your dispute is successful, it should be corrected immediately. If it is not corrected and you receive no response, you may send a follow-up letter. If the correction is denied, you may dispute directly with the original creditor or collector.

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

The simple answer is no without your consent.

15 U.S. Code § 6802 – Obligations with respect to disclosures of personal information

The simple answer is no without your consent.

15 U.S. Code § 1681a – Definitions; rules of construction

(2)Exclusions.—Except as provided in paragraph (3), the term “consumer report” does not include.

t to section 1681s–3 of this title, any—