The Fair Credit Reporting Act gives Americans the right to contact credit bureaus and dispute items on their credit reports that they feel classify as inaccurate, unverifiable, or misleading. If the bureaus cannot verify that the information on their reports is correct, then those items must be deleted.

Disputing items on your credit report should be an easy process, but the credit bureaus have spent years refining tactics meant to frustrate and confuse consumers, causing many to give up before they ever see results

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 (see Fair Credit Reporting Act). Credit report repair is as legal as pleading "not guilty" in a court of law.

Link for Fair Credit Reporting Act http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

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