Did you know?

• There are Millions of Errors on consumer reports?
• There are accounts being reported incorrectly by date, spelling, name ,status, age and many other ways. Even Valid accounts can be invalidated by a simple reporting error because credit bureaus , creditors, and collection agencies are held to a strict federal and State laws regarding the way they report your credit. Simply challenging an item that you do not recall can also do the trick , when worded properly.
• I have removed Bankruptcy reporting, Inquires, Late pays, charge offs, collections, repossessions, judgements, and tax liens. And it happens because debt collectors , creditors , and credit bureaus are notoriously bad at keeping records, and at following the letter of the law. Even if one alphanumeric character is missing, you may have grounds for removal.

The Credit Bureaus must obey many laws, including the Fair Credit Reporting Act (FCRA). And according to the FCRA, an item on your report Must be removed if it is any of the following:

• Inaccurate- maybe an item isn’t yours, your high balance or account number are incorrect, a closed account is listed as open (or vice versa), the date of the last activity is incorrect, and so on. there are many other factors as well.
• Incomplete- a filed is blank, number or word is truncated, a number or letter is missing, false numbers or letters are added or something is reported in the wrong field.
• Unverifiable- (My favorite ) – you may want proof that a debt collector has the right to collect from you, and you come to find out they don’t have your original hand signed contract on file anymore, paperwork gets lost. NO proof of contract means no Authority to report or collect from you 🙂 Or how about a late pay- does the credit have proof in the forum of your canceled check?