Credit Umbrella has no affiliation with the credit bureaus. Credit Umbrella is not a Credit Repair Organization and does not provide credit repair services or financial or legal advice. In no way can Credit Umbrella Inc. guarantee or promise any outcome, as results will vary. CreditUmbrella Blog/Web Site is made available for educational and other company's product and service comparison purposes only, as well as to give you general information and general understanding of the credit repair process, not to provide you specific legal or financial advice. You can only dispute items identified as inaccurate, incomplete, or outstanding, but no consumer has the right to have accurate, current, and verifiable information removed from their Credit Report. To get legal advice applicable to your situation or how this information may apply to you we recommend you consult a lawyer. Further, you must ensure you that you do not mail any dispute letter or form containing any statement of fact or information about your situation that is untrue.