Late Payment

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DISCLAIMER: I am not a financial advisor or credit repair agency. I only express my opinion based on my experience. Your experience may be different. The purpose of this is intended for general information purposes only, and is not to be construed as legal, tax, accounting, or other professional advice. opincreative.com and prime wealth academy are not credit repair service organizations. We do not claim to fix your credit or offer credit repair services. I'm only sharing tips and tricks that worked for me during my journey of improving my own finances. 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.