Dealing with Creditors

The most effective way to deal with the credit is with Fair Credit Reporting Act (FCRA).  According to the FCRA Section 623(a)(3) once you send a dispute letter to them directly they must report that there is a dispute to the credit bureaus within 30 days. If they do not report it they must remove the item according to the law.  A high percentage of the time they do not do this.