1. You Can Dispute ANYTHING on Your Report — Even If It's Accurate
- If the bureau can’t verify it in 30 days, they have to delete it — even if it’s real.
2. Deleting a Negative Account Can Boost Your Score Instantly
- A single late payment or collection can drag your score for years.
3. You Can Reset the Clock on Old Debts If You’re Not Careful - Each state has a statute of limitations on how long a debt is collectible (usually 3–7 years).