You have the right to dispute anything on your credit report that you feel is inaccurate, that means late charges, credit cards that you may not have ever had (from someone else’s report – it happens).
One thing you must be aware of – it is not as simple as articles on the web make it seem to clean up your credit. Each error must be disputed INDIVIDUALLY. You’re not allowed to send in a blanket letter with 5 or 6 mistakes on it. It takes time (lots and lots of time), persistence and the tenacity of a bulldog.
You may decide it’s too big for you to handle and want some expert help. But be careful! Some of the fly-by-night companies that promise to improve your credit score (by 50 to 100 points in 30 days or whatever they say) will make the problem worse and you have enough problems already. That’s why we recommend a credit law firm with both the experience and the integrity you need. On our site http://www.1-800BadCredit.com we recommend Lexington Law and if you go to our site you will see why. They have been around a long time and they give a money back guarantee if you are not happy.