Our experienced team specializes in disputing inaccurate and unfair items on your credit report. Think of it like fighting a speeding ticket: you have the right to challenge it in court, and often the officer doesn’t show up—resulting in dismissal. Similarly, under the Fair Credit Reporting Act (FCRA), banks and credit bureaus are required to follow strict guidelines. If they can’t verify the accuracy of your negative items, those items must be removed.