Absolutely Not! Correcting inaccuracies on your credit report is not only the right thing to do, it’s your legal right. TheCreditBar utilizes these legal righst to contest inaccurate, misleading and/or unverifiable credit report entries. More specifically, TheCreditBar exercises rights declared in the Federal Fair Credit Reporting Act, Fair Debt Collection Practices Act, Truth in Lending Act, and the Fair Credit Billing Act, along with other Federal laws enacted to ensure the average consumer is treated fairly. Our goal is to help you find and fix information on your credit report that is erroneous, incomplete or misleading.

Beware of any company that claims to be able to enhance or eliminate credit report entries that are accurate; they are blatantly violating Federal Law and are subject to prosecution. We advise you to stay away from companies that suggest you obtain a new social security number, intentionally report false information to create fake credit profiles, or try to create a consumer credit profile under an EIN. Any of these actions are a severe violations of federal law that not only, can land them in deep water with the law but also makes you liable and punishable by law.