According to the FCRA, it is possible to dispute any unwanted element on your credit report. Essentially, if the reporting agency can't confirm the item, it surely has to be eliminated.

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The FCRA explicitly claims that you can dispute any negative item on a credit report. In essence, the responsible data center needs to delete the information if it can not verify it as valid.

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The FCRA explicitly claims that you can dispute any negative item on a credit report. Basically, if the reporting agency can't confirm the item, it certainly must be removed.

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Paying past the expected date could fall your score by a significant number of points. Timely payments account for a huge portion of your report, which makes defaulting a negative element.

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According to the FCRA, it is possible to dispute any unwanted element on your credit report. The credit reporting agency is obligated to delete a disputed item that is found to be illegitimate.

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