How to Dispute Credit Report Errors
Mistakes on your credit report can lower your score and make borrowing more expensive. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate, incomplete, or unverifiable information. Here’s how to get started:

Step 1: Obtain Your Credit Reports

• Request your free credit reports from Equifax®, Experian®, and TransUnion® at AnnualCreditReport.com
• Review each report carefully, noting any errors or discrepancies
• Remember: free credit reports do not include credit scores

Step 2: Identify Errors Common errors include:

• Accounts that don’t belong to you
• Incorrect balances or payment histories
• Duplicate or outdated collections
• Identity theft or fraud-related accounts

Step 3: Gather Supporting Documentation

• Collect statements, receipts, letters, or emails proving your claim
• The more evidence you provide, the stronger your dispute
• Keep copies of everything for your records

Step 4: Submit a DisputeYou can dispute errors directly with:

• Each credit bureau (online, by mail, or by phone)
• The creditor or data furnisher reporting the information

What to include:

• Your identifying information (name, address, report reference)
• Clear description of the error
• Copies of supporting documents (never originals)
• Request for investigation and correction/removal

Step 5: Track and Follow Up

• Credit bureaus must investigate within 30 days
• They will send results in writing and update your report
• If errors persist, you can escalate to:
  • The creditor directly
  • Consumer Financial Protection Bureau (CFPB) complaints

Step 6: Repeat as Needed

• Some disputes require multiple rounds
• New errors may appear over time—regular monitoring is key
• Pair disputes with responsible credit use for long-term improvement

Our Professional Dispute Service We prepare and submit customized, professional dispute letters on your behalf. Our approach:

• Targets inaccurate, outdated, or unverifiable information
• Follows FCRA guidelines
• Tracks bureau responses to protect your rights
• Keeps the process compliant, transparent, and effective

Dispute Credit Errors With Confidence

• Challenge inaccurate, outdated, or unverifiable information hurting your credit
• Customized dispute letters prepared for all three major credit bureaus
• Focused on negative items like late payments, collections, charge-offs, and duplicates
• Submitted professionally, following FCRA compliance every step of the way
• Ongoing follow-ups ensure bureaus investigate and correct errors promptly
• Transparent process with no false promises—your rights are protected
• Designed to help you regain control of your credit and build a stronger profile​
• ​​​​👉 Get Your Credit Evaluation Today​​​

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