OK, here's an ignorant question. I just noticed today at the bottom of the credit report that there's a "consumer statement." What exactly is it used for? What impact does it have? How do you get rid of it when it's no longer relative? I was thinking it might be good for listing something like a collection account dispute where you don't agree with the outcome. Then when the collection falls off the report you go back and delete the consumer statement. Am I understanding that right? And really, it only gets seen at a manual review right?
