Course 6

How to Dispute an Error on Your Credit Report - Step by Step

1 in 5 Americans has an error on their credit report significant enough to affect their score. The good news: you have the legal right to challenge it — and the process is simpler than you think.

Under the Fair Credit Reporting Act (FCRA), both the credit bureaus and the companies that report information to them are responsible for correcting inaccurate or incomplete information. You don't need a lawyer to dispute an error — but you do need to know the process.

Step 1: Get your credit reports from all three bureaus — Equifax, Experian and TransUnion. Review each one carefully and note any information that appears incorrect, outdated or doesn't belong to you.

Step 2: Document the error. Gather any supporting documentation — bank statements, account letters, payment confirmations — that prove the information is wrong.

Step 3: Write a dispute letter. Your letter should clearly identify the specific item you're disputing, explain why the information is incorrect and include copies (never originals) of your supporting documents. The Consumer Financial Protection Bureau (CFPB) provides sample dispute letters at no cost.

Step 4: Submit your dispute. You can dispute directly with the credit bureau online, by mail or by phone. Mailing a certified letter with return receipt creates a paper trail and is often the most effective method for serious disputes.

Step 5: Wait for the investigation. Credit bureaus are required by law to investigate your dispute within 30 days. If the information cannot be verified, it must be removed or corrected.

Step 6: Review the results. The bureau will send you the results of their investigation in writing. If the dispute was successful, request a free copy of your updated report. If it was not resolved to your satisfaction, you may escalate to the Consumer Financial Protection Bureau or consult with a professional.

Important: disputing items requires patience, documentation and persistence. Our team can help guide you through the process and ensure your rights are protected every step of the way.