Often they are unable to make available the time required to learn the consumer protection rights that protect them or the ability to form a statute-based approach to ensure results. The consumer feels they are doomed to have that information report for the seven year period allowed for the information to report. Thankfully, nothing could be farther from the truth. Federal law is very much in your favor and allows you to challenge all information that you believe is less than 100% accurate and 100% verifiable. The burden is on you as the consumer rather than on the bureaus to ensure that what is reporting on your credit file is completely accurate.
The Fair Credit Reporting Act (FCRA) gives all consumers the ability to contact the credit bureaus directly and request verification of any item that you believe is less than 100% accurate and 100% verifiable. Accourding to federal credit law defined in the Fair Credit Reporting Act (FCRA). If the bureaus are unable to verify that the information that they are reporting within a thirty day period then this renders the item as inaccurate and it must be deleted. If they do not, they are in violation of the FCRA.
One would think that the verification process should be easy but the time investment often causes many consumers to give up before they experience any real results. The task of learning the laws that govern the reporting agencies seems daunting to take on. Often they are unable to make available the time required to learn the consumer protection rights that protect them or they ability to form a statute-based plan of attack to ensure results. That's where Improve My Credit USA comes in.
Improve My Credit USA's mission is to ensure our clients credit information is reported 100% accurately and is not misleading in any way. If you are looking for a company that promises to delete items that are reported 100% accurately, then we are not the company for you. We would also like to advise you that a company that makes such promises should be considered with great caution.