Yes. The Fair Debt Reporting Act requires SWRS to maintain accurate records and to report them in a timely fashion to the credit bureaus. SWRS utilizes the e-OSCAR system to answer all disputed items and to fix any inaccurate entries using a secure online database that all credit bureaus pull data from. The system allows us to update an account that has been reported within 72 hours. This is crucial when a mortgage or car loan is hanging in the balance.