The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed. Other bad credit information is removed after seven years.

Anything inaccurate can be removed from a credit file including bankruptcy, judgments, collection accounts, liens, foreclosures, and late payments. Federal law requires that your credit report be ACCURATE, COMPLETE, and VERIFIABLE. Accurate means exact and precise. If it is not accurate, we will challenge everything in question with the ultimate goal of having erroneous negative information removed from your report. See similar questions...

No, we may challenge any items that you feel should be challenged and the credit bureau must verify these items. The only exception to this is that they do not have to verify inquiries, but if you feel that an inquiry should not be on your reports then the company that supposedly asked for your credit report can be contacted and that fact may be disputed with them. See similar questions...

Any type of negative item can be removed from your credit if it is inaccurate, misleading or unverifiable. Bankruptcies, foreclosures, and unpaid debt are the most difficult to combat. See similar questions...

Confluence reports are processed by regional coordinators - (check the contact page for a list of current regions and their coordinators) - when a confluence report is submitted, the corresponding coordinator is notified by email. At regular intervals, coordinators process the reports, which consists of verification, processing pictures (e.g. resolution or format conversions) and reviewing narratives (typos, hyperlink insertion etc.). See similar questions...

The Fair Credit Reporting Act, 15 U.S.C. Section 1681, is the law that controls credit reporting agencies. If you believe there is an error in your credit report and want to correct it, you should contact the credit reporting agencies. You may obtain further information from the Federal Trade Commission. See "How to Dispute Credit Report Errors" at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.htm. Also, refer to their pages on credit issues at http://www.ftc. See similar questions...

The Data Protection Act 1998 gives you the right to correct information held about you which is inaccurate. The credit reference agency usually sends details on how to correct errors with your credit report file, if not, use the links on our credit score page to access their web sites for advice about how to go about removing or amending information you believe to be incorrect on your credit report file. Any errors or problems found have to be corrected within 28 days. See similar questions...

If you find discrepancies related to your Capital One account on your credit report, call our Customer Relations department. We will help you investigate and resolve the matter. See similar questions...

It can under certain conditions, but since you force the collector who put the report there in the first place to remove it, there is little danger that it will ever re-appear and if they did cause it to re-appear they have broken their written agreement with you and you would have legal recourse against them. This is not so when only disputing with the credit bureaus as so many do hoping for success. One is not likely to get permanent results by spamming techniques. See similar questions...

Our program is not for everyone, and we only accept individuals which are showing the desire and ability to correct their credit flaws and attain the American Dream of home ownership. While bad credit is okay, the right attitude is essential. We strive to set our clients up for success. See similar questions...