Q: Is it legal to dispute negative items on my credit report?

A: Yes. Disputing negative items on your credit report is your right. Under the Fair Credit Reporting Act (FCRA), consumers have the right to ask for verification from the CRA's (Credit Report Agencies). Legitimate credit report repair is as legal as pleading "not guilty" in a court of law. Your freedom to view your credit report and to dispute negative items is protected by law.