I want you to truly understand this next right, there is the right to challenge incomplete, unverifiable or inaccurate information. If you identify information in your credit file that may be incomplete, unverifiable or inaccurate and reported to the Bureau's that the Bureau's must investigate, credit bureaus will have to correct or eliminate inaccurate, incomplete or unverifiable data within 30 days of the challenge. Now, just because an item is on your credit report, does not mean the creditor has the right to place it on your credit report. This is what most people simply have a hard time comprehending, the creditor must have the proof and you will never know if they have the proof unless you challenge it. Hello