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Often the information that appears on consumer s credit reports is perceived to be a permanent
an unchangeable file. 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. 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.
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 to 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.
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