Credit reporting agencies have procedures in place to help you dispute inaccurate information.  These agencies must also take steps to verify the accuracy of information that is disputed by you. Similarly, creditors (such as credit card debt collectors or mortgage companies), must follow strict guidelines before reporting derogatory information on your credit report.  If you have debts on your credit report that you believe you do not owe or that were discharged in bankruptcy, our experienced attorneys are here to help.