According to the FCRA, you can dispute any…

Making late payments may tank your credit score by about 100 points. The reason for the fact is that on-time payments contribute considerably to your credit report. Defaulting may drop your credit rating further, and…

The FCRA explicitly states that you can dispute…

Bankruptcies were created by Federal Bankruptcy courts to offset huge debts from customers. Declaring bankruptcy could offset some debt, but you will undoubtedly suffer its long-term implications. Whilst submitting a bankruptcy sounds like a fantastic…