Did you know that 79% of credit reports have errors? Any item can be disputed that you feel is inaccurate, incomplete, biased or unverifiable. Including:
Late Payment
Collection
Charge Off
Bankruptcy
Judgment
Settlement
Repossession
Foreclosure
And more...

Which Credit Items Can Be Disputed?

The Fair Credit Reporting Act gives you the right to
dispute any credit report items which you believe to be
inaccurate, incomplete, or unverifiable.

Inaccurate credit items are self-explanatory. These are items in your credit reports that simply should not be there or include details that are incorrect. Such items may include improper reporting by creditors, dated information, duplicate entries, or items added to the wrong credit reports.

Incomplete credit items are those items in your credit reports that give the wrong impression regarding the facts surrounding the items. These items give lenders and others an unfair sense of you as a consumer.

Unverifiable credit item are items which cannot be confirmed as belonging to you. Items may be unverifiable when a creditor goes out of business or is otherwise unable to substantiate that the specific item is part of your credit history.

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