Okay, so we have discovered that you don’t need to look far to see report errors scattered all over the place. However, what happens if you don’t know if something is reporting in error or not? What happens if you don’t even know if it’s your account or not? Heck collections can be sold so many times, and what might have started out as an innocent $50 collection with Macy’s somehow turned out to be $750 with RuthlesscollectionsRus out of Bangladesh asking you to pay them in Bitcoin.
The good news is you have the right to have your information and accounts verified as much as you want to your own satisfaction level. We see this very similarly as if we were your defense attorney defending your rights on something like a murder trial. You are telling me you are innocent, and maybe you did it and maybe you didn’t, but I still have the obligation to defend your rights. So maybe there are witnesses and even some motive, but if the prosecution can’t find that smoking gun they are going to have a tough time with a conviction. When translating this analogy to your credit report, if things don’t quite look 100% to you, then in come the bulldogs. Think about how much information your creditors should have on you and it all needs to be accurate, they can’t have pieces missing otherwise it could be someone else’s entirely. Payment history, previous transaction, original documentation and creditors, personal information, the list goes on and on and you must be given the benefit of the doubt.
Speaking of which, I’ll also tell you this, after seeing so many items being removed over the years, I "doubt" they have it right.