Removing Discrepancies From Your Credit Report
Many people who have bad credit have questioned whether or not they have the ability to erase the discrepancies off their credit so that they will have an easier time trying to build it back up again. Most think that it is impossible – but that is only because they are not aware of the steps they can take to accomplish this.
The Fair Credit Reporting Act states that you have the ability to question anything that is on your report and you can tell them to give you proof. Once you inquire an investigation will begin in which the company in question will have a certain amount of time to reply back to you with the necessary information.
If they do not reply or they cannot find anything then the discrepancy will be removed from your credit as if it never happened.