You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow. A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts.
The good news for you is that the Burden of proof is on the creditors and credit bureaus to prove they have properly complied. Our job is to find what they are doing wrong and leverage the laws to remove the accounts from their credit.