Sign in
📊

Credit Scores & Reports

How to dispute credit report errors and win

Remove credit report errors fast. Use our step-by-step dispute plan, evidence checklist, and ready-to-send letters.

Proof packet

  • Government ID + proof of address
  • Bank/statement evidence, payment confirmations
  • Police/identity theft report (if applicable)
  • Copy of report with items highlighted

Steps

  1. Identify the inaccuracy and highlight it on your report.
  2. Gather evidence that proves the correct info.
  3. Dispute with bureau(s) reporting the error. Submit online or by certified mail; include your packet.
  4. Notify the furnisher (the lender/collector) with the same evidence.
  5. Track timelines: Bureaus typically investigate within ~30 days after receiving your dispute.
  6. Follow up: If corrected—great. If "verified" but still wrong, send a method of verification request and escalate (consumer protection agency or small claims as a last resort).

Pro tips

  • Dispute one logical grouping per letter for clarity.
  • Keep everything in writing; save PDFs and mail receipts.
  • Identity theft? Place a fraud alert or credit freeze (see section below).

Frequently Asked Questions

Will disputing hurt my score?

No.

Can I dispute hard inquiries?

Only if unauthorized.