What can be challenged?

Late Payments: These are missed payments on credit accounts, which can negatively impact your credit score.

Collections: Debts that have been handed over to a collection agency due to non-payment.

Foreclosures: When a lender takes possession of a property due to the borrower's failure to make mortgage payments.

Judgements: Court orders mandating the payment of debts, which can appear on your credit report.

Charge-offs: Debts that creditors have written off as a loss, but you still owe the money.

Repossessions: When a lender takes back an item, usually a vehicle, due to missed loan payments.

Bankruptcies: Legal proceedings involving a person or business that is unable to repay outstanding debts.

Inquiries: Requests for your credit report, which can slightly impact your credit score, especially if there are many in a short period.

Child Support: Child support payments usually don't directly impact your credit report unless they become delinquent.