The Credit Loophole

The Fair Credit Reporting Act is a federal law that ensures that accuracy, fairness, and privacy of the information in credit bureau files. The law regulates the way credit reporting agencies can collect, access, use, and share the data they collect in your consumer reports.

What Does This Mean?

The law is on your side to protect you. If there are any items on your credit reports that hurt your credit in any way whatsoever, or if you have been denied for a loan, credit card, apartment, job, or any other reason you have been denied due to anything on your credit reports, you can use the FCRA to take immediate action.

You can use the federal laws to remove these negative items off your credit reports. Whether it's inaccurate or just plain hurts your credit, you can remove it. Removing these negative or inaccurate items off your reports can launch your credit scores to the 600's, 700's, and 800's credit scores!

Over 79% Of Credit Reports Contain Errors

Dispute Negative Or Inaccurate Items

Once you have identified items that you want to remove from your credit, you need to send a letter to dispute those items with the credit bureaus. The bureaus have 35 days to respond. If they do not respond or cannot validate the disputed items, they must remove them from your credit reports under the FCRA.