Credit report disputes do happen and they are not fun. Keep in mind that the credit reporting agencies do not make this stuff up. Instead, it is reported to them through creditors and other agencies who have the right to post information on a credit report. Just because an item is negative does not give you the right to dispute it if it is accurate. Many people think that things like failing to pay child support is not something that can be reported on a credit report. However, something like that is legitimate and can not be disputed, unless it is false.

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