The Fair Credit Reporting Act (FCRA) governs the manner in which credit is reported. Most lenders and creditors report to one or more of the three largest credit reporting bureaus in the US - Equifax, Experian, and Transunion.
Errors on your credit report can be costly and cause you to get higher interest rates, higher insurance rates, and in some cases, can prevent you from getting a job that you otherwise would have gotten. Most of what we do today is governed or influenced by our credit.
Under some conditions, the credit bureau is REQUIRED to remove the derogatory item (ie identity theft, etc). Failure to do so may result in a violation the we can subsequently pursue.
Please also see our section on credit repair which deals with reporting errors, which is similar to this service except that when we pursue the credit bureaus, we are asserting actual violations, which are more serious than errors.