This is the correction, removal, and potential deletion of erroneous, negative, derogatory, and outdated accounts from your credit report. Using laws that protect the consumer, the credit bureaus must adhere to reporting standards.  Often these laws are violated, therefore, reporting is not accurate.  The federal Fair Credit and Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit reporting agencies. At the consumer’s request, the items on a credit report must be validated by the credit bureaus and reporting creditor or be removed and no longer reporting.