How can you get accounts deleted that are mine?
According to the Fair Credit Reporting Act, for an account to remain on your credit report it must be 100% accurate and 100% verifiable or verified. Through our dispute process, we initiate an investigation with the Three Major Credit Bureaus (Experian, Equifax and TransUnion).
Once the investigation is started they have 30 days to complete the investigation. If anything on the account is not accurate or not verified, or if the investigation is not completed within 30 days, then the item will be removed from your credit report. So even if the account is your account and technically the event (collection, charge-off, judgments, etc.) did occur, there is still a possibility of getting it removed from your credit report.
The Fair Credit Reporting Act of 1971 as updated in 1997 gave consumers the right to have an item repaired or removed that was inaccurate, obsolete or unverifiable