Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing questionable items on your credit report. In fact, it is your explicit right by law to do so. Moreover, the federal Fair Credit Billing Act affords consumers the right to request extensive information regarding billing and account history. The Truth in Lending Act stipulates conditions for establishing credit accounts. And, finally, the Fair Debt Collection Practices Act allocates specific rights to citizens regarding accounts that have passed into collection status. Using a variety of strategies, we will advocate for your consumer rights.