The Fair Credit Reporting Act is a useful tool to delete errors from credit reports.
If you disagree with a charge on your credit card or are unsatisfied with goods or services, dispute your credit card bill to get a refund.
The FDCPA are laws against debt collectors which protect consumers from abusive, unfair, or deceptive practices debt collectors may use in collecting debts.
Go directly to the source (the creditor) to dispute inaccurate credit report items. Creditors must respond to consumer disputes in 30 days.