SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid. So I will be showing you HOW I fixed my credit with check systems. You can do it! Remove Charge-Off Accounts, Collection Accounts, Late Payments, Foreclosures, Repos and all other negative items. This will save you thousands of dollars and hundreds of hours of time!