You have the right to dispute anything on your credit report that appears to be inaccurate, outdated, erroneous or unverifiable…that’s the law. All creditors are obligated to prove the information on your credit report is accurate and correct any and all violations of the law. If a creditor is unable to perform under the strict guidelines of the law, they must remove the account from your credit report.   The United States government began writing laws to protect you from creditors and the credit bureaus beginning in the 1970’s. Today there are dozens of state and federal laws creditors and credit bureaus have a difficult time following. An account such as a collection, charge off, tax lien, short sale, foreclosure, auto repossession, even a bankruptcy can contain dozens of violations making it inaccurate, outdated, erroneous, or unverifiable. In other words…illegal We use these laws to legally and permanently remove items from your credit report.