Yes. There is no federal or state law which compels or requires credit reporting. It is totally voluntary.
There are costs for creditors to place data on credit report and to update that data While it is possible, and all consumers should certainly attempt to have collection accounts removed, you also need to be aware that it is unlikely.
No, only invalid information can be removed before the required time limit Collectors and "credit report fixers" often misrepresent (in a rare instances it is an honest mistake) how information can be expunged from the consumer's CR This is done for the obvious intent of getting the consumer to pay a debt or sign up for a service rather than to assist the person with their debt problems.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.