Credit repair w/ credit card

[Joey_P]

@Philster

No.

The burden is on the data furnisher to maintain proper records and respond to disputes. If they aren’t doing those two things, the data should never have been reported in the first place, because the inherent accuracy is in question. If there is no chance of having negative information removed (even though it might be accurate), then the data furnisher has even less motivation to report accurate data and maintain reasonable methods to ensure it is accurate and respond to disputes.

What I’m saying is…let’s say I have a credit card. The limit is $15000, every month I use it and every month I make a small payment. The balance hovers around $14800. Would it be illegal to dispute that credit report entry (which I KNOW to be correct) for the sole purpose of aquiring more credit.