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Are negative marks, late payments, or unverified hard inquiries dragging down your credit score? If you are trying to buy a house, get an auto loan, or qualify for a credit card, a low score can cost you thousands in interest—or get you denied entirely.Under Section 609 of the Fair Credit Reporting Act (FCRA), you have the legal right to demand that credit bureaus verify the accuracy of every single item on your report. If they cannot verify it within 30 days, they MUST legally remove it.... Lees meer