Credit Report Repair
Your Rights Regarding Credit Report Repair
Make sure your name is correct, as well as, vital data: social security number, address, phone number, employer, date of birth, place of birth. An amazingly high percentage of credit reports have errors. Think about it. If just your middle name is wrong, you could easily be faulted for someone else's bad credit.
Procedures for Corrections and Removals
Changing an accurate credit report is legally impossible. However, you have the right to dispute any item in your report any number of times--even if it is true. The reporting bureau must verify or re-verify that item each time you challenge it. If the bureau cannot verify it within a specific time, that item must be deleted from your file. In this sense, you can erase bad credit.