Remember they cannot request your credit report unless you have given them permission. Accordingly, review these inquiries for accuracy. Normally each account on your credit report provides you a summary rating based on your payment history. The basic ratings are negative, non-rated or positive based on the number and severity of the negative information for that particular account. The Fair Credit Reporting Act codified at 15 USC section 1681a through 1681t, provides the framework designed to help you eliminate erroneous or unfair credit information from your credit report.
All consumers have the right to challenge the accuracy of their credit report.
If the credit bureau finds that the challenged information is erroneous or cannot confirm or deny it, it must be promptly removed it from your credit history. Therefore, in order to avoid such a charge, it is best to challenge each item separately because a general challenge may be considered frivolous. Therefore, it is important to use one of these reasons in your challenge as the grounds for your dispute. One of the most effective ways to have negative marks removed from your credit report, is to challenge the accuracy or completeness of the information through a letter to the credit bureaus pursuant to FCRA 15 USC section 1681i. The only limit that is placed on your right to challenge information on your report is that the challenge should not be frivolous or irrelevant.