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companies don t do their jobs and follow the rules? well, tim is right an wrong in the same question. the fair reporting credit act gives everybody in the country the right to challenge things on credit card that are inaccurate and the credit reporting agents are to investigate and within 30 days correct it, leave it or delete it. there is a way for the credit agents to ignore the disputes if they are frivolous. so if he continues to dispute the same thing over and over and over again and the lenders say it is right, then the reporting bureaus can say, we are not going to challenge them any longer. well, thank you john and donna. if you have a question you want answered? send them to the help desk at cnn.com.

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