Comment by vinceguidry

The other thing about credit reports is that 1) companies not in the business of providing credit have an uphill battle to claim that you're indebted to them, and 2) you can challenge such things, and the law requires them to show evidence.

Due process has favored debtors for some time now, but the information isn't published, leaving shady "credit cleanup" companies to charge hundreds to do what you can do in many cases simply by logging into a website.