You can do this yourself. You have the right to dispute inaccurate information in your credit file directly with the credit bureaus and with the companies that reported it, at no cost. FCRA §1681j entitles you to a free copy of your file from each nationwide bureau every twelve months, and all three currently go further, offering a free report every week online at annualcreditreport.com. A paid monitoring subscription is a convenience on top of that access, not a replacement for it.
Monitoring reports what your file says. No score outcome is implied by subscribing. Whether an item is corrected or deleted is decided by the credit bureau or the furnisher, and HazeScore does not provide legal advice or represent you.
Disputing an item you believe is inaccurate is a separate service under a separate agreement, sold by haze dispute pro, and you can also dispute directly with the bureaus yourself at no cost.
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