Credit Reports Can Be Disputed To Correct Credit History

Companies that consolidate information about your credit history are called Consumer Reporting Agencies (CRA's). The most common CRA is the credit bureau.
The information CRAs gather up about you and resell to creditors, employers, insurers, and other businesses is called a credit report. This report forms the basis of your credit score, which is so vital in providing lenders, employers and insurers a "financial snapshot" of your creditworthiness.
If you don't like the picture, then you must take action and learn how to correct credit report by writing and sending a credit report dispute letter to fix bad credit.
Once you are armed with the facts, you can begin the process of reviewing your credit reports and taking action to challenge inaccurate or outdated credit information contained in these credit reports.
Anyone can do this. Here is a free guide on how to do it yourself, correct your credit report and raise your credit score:
"How To Dispute Errors In Your Credit Report"