Credit report disputes are intended to be used to remove erroneous, outdated, fraudulent, and
unsubstantiated items — not debts that you legitimately owe.
The Fair
Credit Reporting Act (FCRA) gives you the right to fair and accurate credit reports, which comes with the ability to dispute credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated (i.e., the creditor can't prove the debt belongs to
Credit Reporting Act (FCRA) gives you the right to fair and accurate
credit reports, which comes with the ability to dispute credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated (i.e., the creditor can't prove the debt belongs to
credit reports, which comes with the ability to dispute
credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated (i.e., the creditor can't prove the debt belongs to
credit report items that are fraudulent, inaccurate, outdated, or
unsubstantiated (i.e., the creditor can't prove the debt belongs to you).