The negative items in your credit reports are simply accusations made against you by creditors. They are not official governmental statements. It is your right to defend yourself against these accusations. It is your right to challenge the negative items in your credit reports and force the credit bureaus to prove they are correct.
Your right to dispute the negative items in your credit reports with the credit bureaus is protected by the Fair Credit Reporting Act (FCRA). The FCRA allows you to dispute any items in your credit reports that you feel are inaccurate, incomplete, or unverifiable. This includes late payments, collections, judgments, foreclosures, bankruptcies, and more.
Upon receiving your dispute, the credit bureaus have 30 days to investigate your dispute. If they are not able to verify that the disputed item is accurate after the 30 day period, then they are required to remove it from your credit report.
New Day Credit works on your behalf to challenge the negative items in your credit reports.
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