Get inaccurate, incomplete, or unverifiable information removed from your credit report with a credit sweep. Under the Federal Credit Reporting Act, you have the right to dispute inaccurate or incomplete information in your credit profile. And a credit reporting agency must remove or correct inaccurate, incomplete, or unverifiable information. But there is a way credit reporting agencies get around this requirement. Use a credit sweep to protect yourself against credit agencies.

2. Protect Your Rights with
Credit Sweep

3. Get inaccurate, incomplete, or unverifiable information
removed from your credit report with a credit sweep. Under
the Federal Credit Reporting Act, you have the right to dispute
inaccurate or incomplete information in your credit profile.
And a credit reporting agency must remove or correct
inaccurate, incomplete, or unverifiable information. But there
is a way credit reporting agencies get around this
requirement. Use a credit sweep to protect yourself against
credit agencies.

4. The Fair Credit Reporting Act
Let’s start at the beginning. The Fair Credit Reporting Act
promotes the accuracy and fairness in credit reporting.
Consumers have a right to know what is in their credit report
and to challenge information that is inaccurate, incomplete or
unverifiable. This includes items like underreported credit limits,
duplicate accounts, accounts that have been paid in full or bad
debt older than seven years.

5. Consumer reporting agencies are required to investigate and
correct or delete inaccurate, incomplete, or unverifiable
information. However, a consumer reporting agency may
continue to report information it has verified as accurate.
And this is the problem because credit reporting agencies do
the bare minimum to protect consumers.

6. Verifying Information
Each Credit reporting agency has its own process for handling credit
report disputes. However, they all use a similar system for verification.
The three bureaus established the system of investigation and
verification through their trade organization. They automated the
entire investigation and verification process using an online computer
program, called e-Oscar. The credit bureaus and information
furnishers -for example; banks and collection agencies - who report an
account to the credit bureaus, use this system to investigate disputes.

7. It basically checks computer data bases to see if the
information on the credit report matches the information
furnished. There is no examination of the information. There
is no conversation between people. But, once the
information has been matched to another source
(“verified”), and then credit agencies are allowed to keep
reporting it.

8. A Credit Sweep as Protection
This is why manual credit repair is part of our credit sweep. Manual
credit repair is the use of hand-written letters in a style that is difficult
for ORC Scanners to identify and therefore be read by a computer.
This causes the disputes to be reviewed by a person instead of an
automated system. This improves the chance for a thorough
investigation and the removal of inaccurate, incomplete, or unverified
information from credit reports.

9. Don’t Be at the Mercy of Credit
Agencies
A credit sweep is the best way to protect your interests. Credit
agencies investigate disputed information because it is a requirement.
But satisfying the law does not mean protecting your rights. This can
only happen when proper investigations are conducted. A credit
sweep is the best way to ensure disputes are handled properly and
protect your legal right to have inaccurate, incomplete and unverified
information removed from your credit reports.