The credit bureaus, as well as creditors, are required to follow accuracy procedures before they can legally place information on your credit report. Any information that is not complete, or not accurate, or not verifiable is not supposed to remain. During the process our experienced team at TCU force the creditors and credit bureaus to back up their claims of accuracy. Once an error is identified, if it can't be proven 100% accurate, the item must be removed. There are other methods also used in special situations. These are explained on a case-by-case basis. We start by examining our client's personal credit file held by each of the major credit reporting bureaus (TransUnion, Equifax and Experian). Then, we identify any accounts that contain information that could be considered adverse. Next, upon the client's request, we dispute all of the accounts that contain inaccurate, erroneous, or obsolete information on the client's behalf and have the accounts deleted or updated accordingly. Finally we consult our clients on how to avoid future negative credit listings while educating them with helpful tips on how to use their credit to their advantage and boost their scores.