If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. They are required to keep records that allow them to list that negative information on your report. As much as credit card companies, loan companies, banks or debt collectors can tarnish your credit and financial freedom with a single keystroke, the USA has laws for the consumer - YOU! As much as a car repo company wants to list a $8000 debt on your report it is your legal right to challenge the validity of that debt and the bureaus themselves. ![]() No academic studies / surveys without approval - All surveys / studies must have prior r/credit mod approval and must have IRB approval. This includes buying tradelines, CPNs, etc. No promoting fraud - Posts or comments encouraging others to commit fraud will be removed and will result in a permanent ban. Attempts to work around automod will result in a permanent ban. Please see the wiki to see the general r/credit consensus on using such companies. No credit repair company / services posts - No posts asking about hiring a credit repair company or service are allowed. Violation is an immediate and permanent ban. This sub-reddit is for sharing information directly in the community. No Self-promotion - No self promotion of your services, products, videos, etc. No Link Shorteners/Referrals - Any use of a link shortener or referral will result in an immediate and permanent ban. You can use multiple gift cards at the same time. Designed to help you build credit, Indigo makes qualifying easy by disclosing your annual fee and APR before you apply, making it a low-risk proposition. Payments using debit or Gift Cards are deducted from your order immediately. Here's how we make money If you’ve never had credit or your credit is poor, the Indigo Platinum Mastercard can help. Insults, slurs, name-calling, going off topic, personal attacks, etc. Updated JanuSome links below are from our sponsors. You will not be welcome in this sub if you attack others.
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