Absolutely! It is your legal right to dispute items on your credit report, and to work actively to obtain and keep good credit. We exercise your legal rights pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, Truth in Lending Act, and Fair Debt Collection Practices Act, as well as other applicable Federal statutes.
We recommend you stay away from companies that recommend you attempt to obtain a new/alternate social security number, attempt to create a consumer credit profile using an EIN, or create “fake” credit profiles by intentionally reporting false data. These tactics are illegal and/or unethical and, if caught, can result in significant criminal prosecution to you for fraud.
Although some would like to have you think otherwise, there is absolutely nothing illegal about working to improve your credit report. In fact, it is your explicit right by law to do so.
