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It is not difficult to correct errors if, in fact, they are errors. The problem arises when you try to scam the system.You can safely ignore James Morrison’s advice. Virtually every recommendation is either totally wrong or designed to cause you more damage to yourself than the credit reporting agency (CRA).Every dispute you make with the CRA is sent electronically to the tradeline owner for determination of accuracy. If the tradeline owner confirms accuracy, the CRA will not delete the derogatory data unless it is stale (or soon to be) or violates certain policy. Can you imagine every deadbeat in America following Morrison’s advice and writing a letter stating, “Remove this tradeline or I’ll sue” and the CRA cowering in fear and deleting it? Every two-bit deadbeat n America would have an 850 credit score. It simple does not happen.One of the funniest, yet most absurd, claims made is that “Credit Bureaus do not have any ability to retaliate against you.” CRAs have a variety of tricks at their disposal and they use them frequently. One of their most common tactics is to consider everything you dispute to be frivolous. Once you make a couple of disputes of dubious quality, the CRA can then label your future disputes as frivolous and completely ignore them without so much as a response.Another cute little trick that the CRAs pull is to automatically place fraud alerts on your file. Their logic is that if you are disputing items your creditors confirm as accurate, you must be the victim of fraud. Of course you will not know there is a fraud alert on your file until you apply for credit and you are denied without reason. Most creditors do not go through the hassle of contacting you rather than just decline your application with comments such as “Unable to verify applicants data / identity.”By far the funniest trick the CRAs use is called “Special Handling”. Special handling means they lock you out completely of online access to your credit disclosures / disputes and require you to speak to one and only one CRA employee any time you need anything. That one employee is rarely available to speak to you and when they do they will treat you like a dog. Every little request you make will be met with denial and / or annoying, multiple, types of verification requests.Special handing that they put you in is not to be confused with the special handling that people like Brad Pitt, Tom Cruise, Johnny Depp and Leonardo DiCaprio get put in. They are in special handling as famous VIPs. You are in social handling as a dog.

KKK? Nah-h-h – Democrats are too busy being Communists...or haven’t you heard?Never forget Mark Twain’s observation that the best way to tell a lie is to tell just enough of the truth...then stop. Your question is based on exactly that kind of half-complete truth.Here is a look at a more complete truth – the kind you won’t get from Limbaugh or Hannity:Civil War and Reconstruction –Democrats were dominant in the South, and had usually been dominant in national government. Of the 15 Presidents before Lincoln, 9 were “Democrat-Republican” or Democrat. The weakness of the Whig party – soon to be supplanted by the Republican party – gave default control of the three branches of national government to Democrats in general, and Southern Planter Democrats in particular.Southern Democrats were “Calhoun Democrats”, who insisted that slavery was their natural right.The US Constitution was skewed for its first 70 years toward frank tolerance of slavery because of the influence of the slave-owner Framers, and the fears of more enlightened non-slaver Framers that no Union could be achieved unless the Constitution maintained that tragic support.Lincoln’s election was a precipitating factor in the Civil War not only because the Republican Party of his era (and for the next hundred years) was predominantly Abolitionist, but also because his election broke the Southern Planters’ control of government.All those old Confederate Plantation owners died out decades ago, but their belief system lives on: The turmoil of Reconstruction allowed Southern Democrats to slither back into power, at least in Dixie. Those Southern “Jim Crow” Democrats – also called “yellow dog” Democrats – were from that point forward a prickly and difficult subset of the national Democratic Party. The Dixiecrats were as comfortable with the Klan (and with Jim Crow suppression) as their Framer ancestors had been with slavery. But those Democrats were a subset, not a policy-defining majority, and their worm was soon to turn.In 1948, Harry Truman ran on a limited civil rights platform which, even as mild as it was, angered the Southern Democrats. Truman also acted to desegregate the military services, which – since so many military bases were located in the South – poured gasoline on the Southern Democrats’ fire. Truman’s relative “liberalism” motivated Southern Democrats to form the “Dixiecrat” Party to find and run conservative alternatives to “Northern” candidates.Truman won despite Dixiecrat opposition, and while the armed services were slowly, grudgingly desegregated, the KKK began its third re-birth (having died out twice previously), even as the liberal Democratic Party in Dixie breathed its last. The new KKK members were recruited by, among others, one Richard Byrd, who would in years to come, serve in Congress, then in the Senate. Such things could happen back then because overt racism was perfectly acceptable in the South, just as covert racism is, to this day. If you dispute it, read on.In 1954, The Supreme Court ruled in Brown v. Board of Education that "separate but equal" schools were inherently unequal. Brown v. Board reinvigorated the “States Rights” fervor of the South because first SCOTUS rendered the verdict, then POTUS (Eisenhower) enforced it using the 101st Airborne and a Federalized National Guard. Naturally the Southern Democrats saw this Republican President’s lawful action as overreach, and the KKK gained more recruits.In 1964, The Civil Rights Act passed despite a months-long filibuster by Southern Democrats. The filibuster was broken by the rest of the Democrats in the Senate in concert with most of the chamber's Republicans. In the minority, six Republicans voted with the filibustering Southern Democrats, including Barry Goldwater (AZ); the GOP’s candidate for President. Also filibustering was Strom Thurmond (SC), who switched his party allegiance to Republican, while maintaining his KKK affiliations.The lines were now re-drawn: Henceforth no Democrat with national aspirations would stand for anything whiffing of segregation, discrimination, or racism, and they had to pass vetting by both their own party and the oppo-researchers of their opponents.And, 30 years after the CRA and the VRA, very few liberal Democrats have held office anywhere in the South. A few center-right Dems survived (the Clintons, the Landrieus, Joe Manchin) but even they were an endangered species.Finally, the answer to your question (“How do Democrats respond [etc]?”) is that the question is nothing more than the product of a Conservative-created Strawman misdirection. The proof follows:In the 1968 Presidential contest, Pat Buchanan and Kevin Phillips devised the “Southern Strategy” for Richard Nixon. The plan was designed to increase the race-based fears and anxieties of Southern white voters – all voters, whether Democrat or Republican. The plan triumphed because those Southern voters had all the bigotry and fear any modern Goebbels could ask for.However Buchanan’s success had a downside: After Goldwater’s 1964, and Nixon’s 1968/72 “Southern Strategy” campaigns, Northern white voters, along with the majority of non-white voters everywhere, realized that the Republican Party had chosen to identify itself with the subculture of white supremacy in the South. Republicans, now ascendant in the South, moved increasingly to the political right, and allowed their GOP brand to be used by several KKK notables, including David Duke. Despite a few flabby gestures at disavowal, the national GOP essentially whispered its official non-endorsement of Duke, offering neither renunciation nor denunciation.In 1980, GOP strategist Lee Atwater rose to prominence as campaign consultant to a Republican Congressional incumbent. Atwater used push polling “surveys” to insert a belief in the minds of white suburban voters that the Republican’s opponent was a member of the NAACP. (That’s right: By 1980, NAACP was a more plausible label for a Democrat than KKK.) Atwater also sent out last-minute letters from Senator Strom Thurmond (former Democrat, and unrepentant friend of the Klan) telling voters that the Democrats would disarm America, and turn it over to liberals and Commies.Atwater, who was a principal strategist/message-maker for the GOP’s national campaigns of 1984 and 1988, was the philosophical successor to Buchanan, though he might have been more cynic and less True believer: Atwater said: “You start out in 1954 by saying, "Nigger, nigger, nigger." By 1968 you can't say "nigger"—that hurts you. Backfires. So you say stuff like forced busing, States’ Rights and all that stuff. You're getting so abstract now [that] you're talking about cutting taxes, and all these things you're talking about are totally economic things and a byproduct of them is [that] blacks get hurt worse than whites. And subconsciously maybe that is part of it. I'm not saying that. But I'm saying that if it is getting that abstract, and that coded, that we are doing away with the racial problem one way or the other. You follow me—because obviously sitting around saying, "We want to cut this," is much more abstract than even the busing thing, and a hell of a lot more abstract than "Nigger, nigger”Atwater was not offering idle speculation: He was the author of the infamous Willie Horton Ad.But that worm also turned: Atwater re-evaluated his life following a grave illness. In a 1991 article for Life magazine, Atwater wrote: “My illness helped me to see that what was missing in society is what was missing in me: a little heart, a lot of brotherhood. The '80s were about acquiring—acquiring wealth, power, prestige. I know. I acquired more wealth, power, and prestige than most. But you can acquire all you want and still feel empty. […] It took a deadly illness to put me eye to eye with that truth, but it is a truth that the country, caught up in its ruthless ambitions and moral decay, can learn on my dime. I don't know who will lead us through the '90s, but they must be made to speak to this spiritual vacuum at the heart of American society, this tumor of the soul." Atwater even apologized to Governor Michael Dukakis for what Atwater called the "naked cruelty" of the presidential campaign he orchestrated in 1988 against Dukakis.It took the GOP nearly 30 years to put lipstick on its KKK-tolerant pig: Finally, In 2005, RNC chairman Ken Mehlman formally apologized to the NAACP, admitting that the GOP had relied on racial polarization to win elections.JUST IMAGINE: Both Mehlman and Atwater apologized – an admission of wrongdoing. When, in the past 50 years, has any other prominent Republican officeholder admitted wrongdoing? And when has any other prominent Republican officeholder sincerely, voluntarily apologized for anything? And Ken Mehlman apologized not just for his own part but for the entire GOP. Their actions underscore the egregious degree to which the GOP had relied on coded, race-based messaging.So take it from Republican legend Lee Atwater and GOP Chairman Mehlman. Since the 1950s, the KKK and other white-bigot organizations have found a congenial home in the Republican Party, because the GOP’s leaders built it that way.And yes, despite those soul-rending (for Republicans) admissions of wrongdoing, their dog-whistle language and Atwater’s “abstract” (aka coded) messaging remain Republican tools to this day.[ADDENDUM, August 30, 2018: The GOP’s racism is THRIVING. Following John McCain’s death, a bi-partisan group of Senators suggested renaming the Senate Office Building in McCain’s honor. Those Senators of both parties felt that it was high time that the “Russell Senate Office Building”, named after an arch-segregationist Dixiecrat, Sen. Richard Russell, be renamed in honor of McCain, a genuine American hero. Russell’s main claim to fame was his 100% voting record against the VRA and CRAs, as well as his dogged efforts to get the rest of Congress to follow suit. One would expect the Republican-dominated Senate to jump at the opportunity to replace a Democrat’s name with that of a genuine Republican hero…but…but…but…so far, it’s been nearly a week of crickets. The GOP’s racism apparently outweighs its patriotism.}The right wing’s attempts to tar Democrats, liberals and Progressives with the fifty-years-dead KKK association is simple-minded wish fulfillment and projection, nothing more.

Ashish, you were not specific as to time-frame — you did not indicate whether you wished discussion of the GOP’s current fall from grace, or of its recent history (2007-present), or of its basic problems and their historical roots.I have chosen to go with the last option.Question: What is the GOP's problem?A.) OriginsThe Republican Party emerged in the collapse of the Whig Party, after the Whigs lost the 1852 Presidential ElectionThe last two Whig Presidents — Zachary Taylor and Millard Fillmore — held office from 1849–1853, establishing a record of nearly complete incompetence. Few in the Whig Party liked either one, though the Southern Planters were fans of Fillmore’s pro-slavery fumbling.When Fillmore was ousted, he was followed by two Democrats (Pierce and Buchanan) — one-term Presidents who together presided over eight more years of fecklessness. From the founding of the American Republic, and for the next 150 years, Democrats were the party of Planter-Slavers, then of post-Reconstruction Southern resentment.The Republican Party, by 1861 had sorted itself out. Abraham Lincoln won the Presidency and the Planter-Slaver States who had not already seceded finally did so before Lincoln took office.Lincoln evolved in his first term, losing his reluctance to stand for Emancipation of slaves. For 100 years after the Emancipation Proclamation, the Republican Party was still regarded as The Party Of Lincoln and as the Party Of Emancipation. Teddy Roosevelt burnished the GOP’s progressive image, but things were shortly going to change.B.) Drift; The 1950s:The rightward drift of the Republican Party began with its perversion of antiCommunism: Joseph McCarthy made his name famous for reckless destruction of innocent people’s lives (McCarthyism | History & Facts), pushing his unfounded and baseless assertions of communist sympathies and homosexuality to the point of the suicide of another Senator (Lester C. Hunt - Wikipedia)The far-Right John Birch Society went even further, accusing even Dwight D. Eisenhower of being a “tool of the Communists” and calling him guilty of “deliberate treason”.A patrician Republican, William F. Buckley, took on the Birchers, and succeeded in silencing them, but Buckley himself was a forerunner in Republican Party racism, so the Rightward drift was embodied in him, also.Meanwhile, James McGill Buchanan, incited by the Brown Vs. Board decision, began a project to subvert the cause of racial integration. His work formed a large part of the foundation for organizations such as Heritage Foundation, Cato, and the Council for National Policy (CNP). (The Architect of the Radical Right) I’ll cover the CNP below.C.) The Downward Spiral Begins; 1960s:Lyndon B. Johnson’s Civil Rights and Voting Rights Acts of 1964, 1965, and 1968 were among his crowning achievements, but those acts split the Democratic Party.President Johnson knew that the “Dixiecrat” (Southern) wing of the Democratic Party would oppose the 3 Acts (they did), and that even with their opposition, the Dixiecrats would be likely to lose elections in the South (they did, gradually), but he also knew that the time was right for the Justice inherent in those Acts. Johnson also knew that no President before him had the control of Congress, the weight of history, and the shadow of the slain JFK to help him push the Acts through.I have been surprised at the a-historic and a-factual response of Conservative Quorans to discussion of the CRAs and VRA. They frequently object that “Republicans did not vote against the Civil Rights Act: Only (they assert) Democrats voted against the 1964 CRA”. As noted these Republican beliefs are false. Here is the tally:The original House version:Democratic Party: 152–96 (61–39%)Republican Party: 138–34 (80–20%)Cloture in the Senate:Democratic Party: 44–23 (66–34%)Republican Party: 27–6 (82–18%)The Senate version:Democratic Party: 46–21 (69–31%)Republican Party: 27–6 (82–18%)The Senate version, voted on by the House:Democratic Party: 153–91 (63–37%)Republican Party: 136–35 (80–20%)Here is the breakdown by Party and region:The House of Representatives:Southern Democrats: 8–83 (9–91%)Southern Republicans: 0–11 (0–100%)Northern Democrats: 145–8 (95–5%)Northern Republicans: 136–24 (85–15%)Note that four Representatives voted Present while 12 did not vote.The Senate:Southern Democrats: 1–20 (5–95%)Southern Republicans: 0–1 (0–100%) – John Tower of Texas, the only Southern Republican at the time, voted againstNorthern Democrats: 45–1 (98–2%)Northern Republicans: 27–5 (84–16%)In the House, 95% of Northern Democrats voted “yes”, but only 85% of Republicans voted “yes”, the disparity was even worse in the Senate. Clearly, Region outweighed Party in the voting, and racist resistance was common in Southern contingents of BOTH Parties.The Civil Rights Act passed despite a months-long filibuster by Southern Democrats. The filibuster was broken by the majority of the Democrats in the Senate in concert with most of the chamber's Republicans. In the minority, six Republicans voted with the filibustering Southern Democrats, including Barry Goldwater (AZ); the GOP’s candidate for President. Also filibustering was Strom Thurmond (SC), who switched his party allegiance to Republican, while maintaining his KKK affiliations.The lines were now re-drawn: Henceforth no Democrat with national aspirations would stand for anything whiffing of segregation, discrimination, or racism, and they had to pass vetting by both their own party and the oppo-researchers of their opponents.D.) The GOP heads for the bottom of the barrel - 1968–1980:In the 1968 Presidential contest, Pat Buchanan and Kevin Phillips devised the “Southern Strategy” for Richard Nixon. The plan was designed to increase the race-based fears and anxieties of Southern white voters – all voters, whether Democrat or Republican. The plan triumphed because those Southern voters had all the bigotry and fear any modern Goebbels could ask for.However Buchanan’s success had a downside: After Goldwater’s 1964, and Nixon’s 1968/72 “Southern Strategy” campaigns, Northern white voters, along with the majority of non-white voters everywhere, realized that the Republican Party had chosen to identify itself with the subculture of white supremacy in the South. Republicans, now ascendant in the South, moved increasingly to the political right, and allowed their GOP brand to be used by several KKK notables, including David Duke. Despite a few flabby gestures at disavowal, the national GOP essentially whispered its official non-endorsement of Duke, offering neither renunciation nor denunciation.Between 1979 and 1981, the Reactionary Right wing of the GOP and the Christian Right (outed by Randall Balmer as being formed to resist racial integration) realized that they had common cause in the destruction of Progressivism. They came together, financed by Reactionary billionaires, to form the CNP: The Council for National Policy - Documented, The Council for National Policy: Behind the Curtain, How Powerful Is This Right-Wing Shadow Network?, Council for National Policy. The CNP has not been shy about meddling: Secretive Right-Wing Nonprofit Plays Role in COVID-19 Organizing - EXPOSEDbyCMD — and it is part of the current Republican-Trumpublican Administration: Secretive Council for National Policy Closely Tied to Trump - EXPOSEDbyCMD.In 1980, GOP strategist Lee Atwater rose to prominence as campaign consultant to a Republican Congressional incumbent. Atwater used push polling “surveys” to insert a belief in the minds of white suburban voters that the Republican’s opponent was a member of the NAACP. (That’s right: By 1980, NAACP was a more plausible label for a Democrat than KKK.) Atwater also sent out last-minute letters from Senator Strom Thurmond (former Democrat, and unrepentant friend of the Klan) telling voters that the Democrats would disarm America, and turn it over to liberals and Commies.Atwater, who was a principal strategist/message-maker for the GOP’s national campaigns of 1984 and 1988, was the philosophical successor to Pat Buchanan, though he might have been more cynic and less True believer: Atwater said: “You start out in 1954 by saying, "Nigger, nigger, nigger." By 1968 you can't say "nigger"—that hurts you. Backfires. So you say stuff like forced busing, States’ Rights and all that stuff. You're getting so abstract now [that] you're talking about cutting taxes, and all these things you're talking about are totally economic things and a byproduct of them is [that] blacks get hurt worse than whites. And subconsciously maybe that is part of it. I'm not saying that. But I'm saying that if it is getting that abstract, and that coded, that we are doing away with the racial problem one way or the other. You follow me—because obviously sitting around saying, "We want to cut this," is much more abstract than even the busing thing, and a hell of a lot more abstract than "Nigger, nigger” Atwater was not offering idle speculation: He was the author of the infamous Willie Horton Ad.Atwater re-evaluated his life following a grave illness. In a 1991 article for Life magazine, Atwater wrote: “My illness helped me to see that what was missing in society is what was missing in me: a little heart, a lot of brotherhood. The '80s were about acquiring—acquiring wealth, power, prestige. I know. I acquired more wealth, power, and prestige than most. But you can acquire all you want and still feel empty. […] It took a deadly illness to put me eye to eye with that truth, but it is a truth that the country, caught up in its ruthless ambitions and moral decay, can learn on my dime. I don't know who will lead us through the '90s, but they must be made to speak to this spiritual vacuum at the heart of American society, this tumor of the soul." Atwater even apologized to Governor Michael Dukakis for what Atwater called the "naked cruelty" of the presidential campaign he orchestrated in 1988 against Dukakis.Finally, In 2005, RNC chairman Ken Mehlman formally apologized to the NAACP, admitting that the GOP had relied on racial polarization to win elections.JUST IMAGINE: Both Mehlman and Atwater apologized – an admission of wrongdoing. When, in the past 50 years, has any other prominent Republican officeholder admitted wrongdoing? And when has any other prominent Republican officeholder sincerely, voluntarily apologized for anything? And Ken Mehlman apologized not just for his own part but for the entire GOP. Their actions underscore the egregious degree to which the GOP had relied on coded, race-based messaging.SO AFTER 2005, THE GOP FACED ITS PERFIDIES, AND EVERYTHING CHANGED?NO.The emergence of the Reactionary Rightwing Propaganda Machine, fbeginning with Murdoch’s purchase of FoxNews in the 1980s and extending through this decade’s fulmination of the alt-web’s sewage, was a force for nothing but depravity, denialism, and hate-mongering. The Propaganda Machine was key to the destruction of reason and honor in the GOP, and that naturally prepared the way for Trump.Things went from bad to worse, as former Republican Strategists Stuart Stevens (It Was All a Lie by Stuart Stevens: 9780525658450 | PenguinRandomHouse.com: Books), Steve Schmidt, and Rick Wilson (Everything Trump Touches Dies) have documented.The Presidency of Barack Obama brought out all the suppressed racism of Southern Whites — and a number of Whites in the North, to boot. Whatever one thinks of President Obama, the complete absence of scandal in his Administration contrasts starkly with the scandalous behavior — obstructionism — of Republicans in the GOP-controlled House and Senate of that time.At a time when America and the world were struggling to recover from the 2007 Great Recession, GOP Senators and Representatives said “NO” to helping anything other than corporations, banks, and Wall Street.Republican racism knew no bottom: Following John McCain’s death in 2018, a bi-partisan group of Senators suggested renaming the Senate Office Building in McCain’s honor. Those Senators of both parties felt that it was high time that the “Russell Senate Office Building”, named after arch-segregationist Dixiecrat, Sen. Richard Russell, be renamed in honor of McCain, a genuine American hero. Russell’s main claim to fame was his 100% voting record against the VRA and CRAs, as well as his dogged efforts to get the rest of Congress to follow suit. One would expect the Republican-dominated Senate to jump at the opportunity to replace a Democrat’s name with that of a genuine Republican hero…but so far, it’s been over two years “NO”. The GOP’s racism apparently outweighs its patriotism.THE SUM OF IT:The GOP’s Reactionary Right hostility to Government By And For The People began 70 years ago.The GOP’s desire for absolute control of government, and its complete antipathy for Good Government (typified by Grover Norquist’s intent to shrink FedGov “until it can be drowned in a bathtub”), has left it unable to govern within its own party in either house of Congress.The GOP’s alliance with white-power thugs, and its cooperative plotting with racist religious sects, saw it scheming dark things at a time when the Nation needed bi-partisan comity.