Got some bad marks on your credit, even a 30-day late ding? Dispute them, even if they’re legit.

Americans can request a free credit report every year, from all 3 credit reporting agencies. Mark everything negative as, “wasn’t me”. The debtor has 30-days to respond, if they don’t, fuck 'em, it’s off your record.

Worst case? They come back and say the challenge was verified as false. Oh well.