Can Bad Credit Be Deleted?
Though the credit bureaus would have you think otherwise, it is perfectly legal and ethical, even responsible, to remove unfairly reported listings from your credit report. The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and Fair and Accurate Credit Transactions Act (FACTA) allow you to investigate and challenge questionable items on your credit report. You, the consumer, can dispute on your own provided you know the protocol.
If you don’t have time, or don’t know where to start, contact RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed, thus helping you achieve clean credit. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report, thereby improving your credit score.
Over time, with responsible money management, you can further improve your credit score.
Contact the professionals at RMCN Credit Services today.
Others who have viewed this page also viewed these pages:
- Credit Report Repair – How to remove mistakes and errors on a credit report.
- How to Fix Credit Report Errors – You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
- Careful Credit Report Review – What to look for when you review your credit report.
