Best report
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Jul 26, 2008
Where 'Proving' comes in- is with the credit bureau.
When you buy your credit report- you will get the chance to dispute items. Dispute anything over 7 years old- the credit bureau will remove it and send confirmation within 45 days. If you think a listed item has no proof- dispute it. The bureau will ask the creditor for proof and if it can't provide it- the bureau will remove the entry. This does work well if it is only listed under the collection agency. It only sometimes works if it is the original creditor and they have lost the records.
When you buy your credit report- you will get the chance to dispute items. Dispute anything over 7 years old- the credit bureau will remove it and send confirmation within 45 days. If you think a listed item has no proof- dispute it. The bureau will ask the creditor for proof and if it can't provide it- the bureau will remove the entry. This does work well if it is only listed under the collection agency. It only sometimes works if it is the original creditor and they have lost the records.