Federal law requires the consumer reporting agencies to investigate claims of credit report errors. We pinpoint any accounts that are negatively impacting your credit report, and file a dispute with each of the three major credit bureaus to verify the accounts on your credit reports. We can then eliminate the accounts that may contain misleading, incorrect, or outdated information from your credit report by going through this process. Once we file disputes with the credit bureaus, they will contact your creditors, double-check your personal information, and look for information of identity theft and/or accounts opened without your consent or knowledge. Until they complete the investigation in 30 days, you will see those accounts labeled on your credit report as "in dispute".