Users of this system usually do NOT have any blemish on their credit rating . . . for the simple reason that powerful legal language is included in the correspondence with the lending institutions. If they misreport the account, they can be sued, and we would win if we sue them. That is demonstrated in the letters. They must show that you are not in default . . . but rather, the debt is in dispute. As long as it is in dispute, it cannot be considered to be in default. So blemishes on credit ratings are much more rare now, and even when they occur, they are erroneous and can be corrected.