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Credit Report Errors and Credit Repair Guide

Credit Report Errors and Credit Repair Guide

Credit repair should mean correcting information that is inaccurate, incomplete, outdated or caused by identity theft. It does not mean hiding debts you owe or forcing credit bureaus to remove accurate information.

This guide explains how to review your credit reports, identify common errors, dispute incorrect information with both the credit bureau and the company that reported it, respond when an account is incorrectly verified and avoid credit repair companies that promise an impossible quick fix.

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Quick Answer

You do not need to pay a credit repair company to dispute inaccurate information. You can obtain your credit reports, identify each error and submit disputes yourself for free.

Send the dispute to both the credit reporting company displaying the error and the creditor, lender, collector or other business that supplied the information.

A proper credit report dispute should:

  • Identify the exact account and inaccurate information
  • Explain why the information is wrong
  • State the correction you are requesting
  • Include copies of supporting documents
  • Preserve proof that the dispute was submitted

Credit reporting companies generally investigate within 30 days. Certain situations may extend the investigation to 45 days.

Do not knowingly dispute accurate information or file a false identity-theft report. A dispute should be based on a genuine reporting error, incomplete information or unauthorized account activity.

What Does Credit Repair Really Mean?

Legitimate credit repair focuses on correcting credit-report information that is:

  • Inaccurate
  • Incomplete
  • Outdated
  • Duplicated
  • Mixed with another person’s information
  • Reported under the wrong account status
  • Connected with identity theft
  • Unable to be verified after a proper dispute

It may involve:

  • Obtaining your credit reports
  • Reviewing account details
  • Collecting statements and payment records
  • Disputing errors with credit bureaus
  • Disputing errors with information furnishers
  • Reporting identity theft
  • Escalating an inadequate investigation
  • Building a stronger payment history over time

Credit repair is not the same as debt relief. Correcting a reporting error does not automatically cancel a legitimate debt, and settling a debt does not automatically erase its previous payment history.

What Can Be Corrected or Removed From a Credit Report?

Information may need to be corrected, updated or removed when it is:

  • Not yours
  • Reported under the wrong name or Social Security number
  • Listed with an incorrect balance
  • Reported with the wrong payment status
  • Incorrectly marked late
  • Incorrectly shown as open or closed
  • Listed more than once for the same debt
  • Reported after the applicable reporting period
  • Reinserted without proper notice
  • Connected with documented identity theft
  • Missing information needed to make the entry accurate
  • Unable to be verified during a reasonable investigation

The goal is an accurate report—not automatically an empty report.

A correction might involve changing rather than deleting an account.

For example:

Reported information Possible correction
Account shown 60 days late Change to paid on time when payment records support it.
Closed account shown open Update the account status and closure date.
Balance shown as $4,500 Update to the correct current balance.
Account belongs to another person Remove it from your credit file.
Same collection listed twice Correct or remove the duplicate entry.
Identity-theft account Block or remove the fraudulent information after required documentation is supplied.

What Usually Cannot Be Removed?

Accurate, complete and current negative information generally cannot legally be removed merely because it:

  • Lowers your credit score
  • Makes borrowing more expensive
  • Causes a credit application to be denied
  • Relates to a debt you later paid
  • Reflects a late payment you actually made
  • Shows a legitimate collection account
  • Records a valid repossession or foreclosure
  • Reports a bankruptcy within the applicable reporting period

Most accurate negative information may generally remain for approximately seven years. Bankruptcy information may generally remain for up to 10 years.

Paying a collection does not automatically remove it. The balance and status should be updated accurately, but the previous account history may remain until its reporting period ends.

A company promising to remove every negative item regardless of accuracy is making a promise that legitimate credit repair cannot guarantee.

How to Get Your Credit Reports

The official federally authorized source for reports from Equifax, Experian and TransUnion is:

AnnualCreditReport.com

The three nationwide credit reporting companies currently allow consumers in the United States to review each report online once a week for free.

You may also request reports by telephone or mail using the instructions provided through AnnualCreditReport.com.

Use the exact official website address. Similar-looking websites may attempt to sell monitoring plans, collect personal information or impersonate the authorized service.

Requesting your own credit report does not lower your credit score.

Why Should You Review All Three Credit Reports?

Equifax, Experian and TransUnion may not contain identical information.

A lender, landlord, collector or other furnisher may:

  • Report to all three companies
  • Report to only one or two
  • Update the companies on different dates
  • Use slightly different account descriptions
  • Correct one report but not the others

An error may therefore appear:

  • On only one report
  • With different balances on each report
  • Under different account numbers
  • With different payment statuses
  • Under a creditor on one report and a collector on another

Create a separate error list for Equifax, Experian and TransUnion. Do not assume that a correction submitted to one bureau automatically fixes every report.

Common Credit Report Errors

Personal information errors

  • Incorrect name or spelling
  • Wrong address
  • Incorrect date of birth
  • Wrong employer
  • Another person’s information mixed into your file
  • Accounts belonging to someone with a similar name

Account ownership errors

  • An account you never opened
  • An authorized-user account reported as your individual debt
  • An ex-spouse’s account incorrectly attributed to you
  • A business account incorrectly listed as personal
  • An identity-theft account

Account status errors

  • An open account reported closed
  • A closed account reported open
  • An account incorrectly shown delinquent
  • An account reported late despite an on-time payment
  • A settled debt shown unpaid
  • A discharged debt reported with an active balance

Balance and limit errors

  • Incorrect current balance
  • Incorrect past-due amount
  • Incorrect credit limit
  • Payments not reflected
  • A balance reported after it was paid

Duplicate reporting

  • The same debt listed more than once
  • The original creditor and collector reporting balances in a misleading way
  • A transferred account appearing as two active obligations
  • A collection sold to another company without the previous entry being updated

Date errors

  • Wrong account opening date
  • Wrong date of first delinquency
  • Late-payment dates that do not match payment records
  • Old information appearing beyond the applicable reporting period

An original creditor and a collection company may both appear in connection with one debt. That is not automatically duplicate reporting. Review whether the balances, ownership and account statuses accurately describe what happened.

Credit Report Errors Caused by Identity Theft

Identity theft may cause:

  • Credit cards you never opened
  • Loans you never requested
  • Utility or telephone accounts in your name
  • Collections for unfamiliar accounts
  • Addresses where you never lived
  • Hard inquiries you do not recognize
  • Personal information belonging to the identity thief

When you suspect identity theft:

Visit IdentityTheft.gov

Create an official identity-theft report and recovery plan.

Contact the affected company

Tell the lender or creditor that the account or transaction was not authorized.

Contact the credit reporting companies

Request that identity-theft information be blocked from your reports.

Consider a credit freeze

Restrict access to your credit file while you secure your identity.

Review all reports and accounts

Look for additional accounts, inquiries, addresses and personal information you do not recognize.

Use an identity-theft report only for genuine identity theft. Knowingly claiming that a legitimate debt resulted from identity theft can create serious legal consequences.

What Should You Gather Before Filing a Dispute?

Collect documents that directly show why the reported information is wrong.

Possible evidence includes:

  • Credit report pages showing the error
  • Account statements
  • Bank records
  • Payment confirmations
  • Cancelled checks
  • Settlement letters
  • Account closure confirmations
  • Loan payoff statements
  • Correspondence from the creditor
  • Court or bankruptcy records
  • Identity-theft reports
  • Police reports when applicable
  • Proof of identity and address

Prepare a short timeline containing:

  • The account opening date
  • The payment or closure date
  • When the error first appeared
  • Previous dispute dates
  • Responses from the bureau or furnisher
  • The correction you are requesting

Highlight the disputed account on a copy of the report, but retain a clean unmarked copy for your records.

Dispute the Error With the Credit Bureau

Submit a separate dispute to each credit reporting company displaying the error.

Explain:

  • Which account or item is disputed
  • Which specific information is wrong
  • Why it is wrong
  • What the correct information should be
  • Whether you want the item corrected, updated or removed
  • Which documents support the request

Weak dispute: “This account is wrong. Remove it.”

Stronger dispute: “The report shows a 30-day late payment for March. The enclosed bank statement and creditor confirmation show that the March payment was received before the due date. Please change the March payment status to paid as agreed.”

Credit bureau dispute information:

Dispute the Information With the Company That Reported It

The company that supplied information to the credit bureau is often called a furnisher.

Furnishers may include:

  • Banks
  • Credit card issuers
  • Mortgage lenders
  • Auto lenders
  • Student-loan servicers
  • Debt collectors
  • Landlords
  • Utility providers
  • Telephone companies

Send the dispute to the furnisher’s designated credit-reporting dispute address. This may appear:

  • On the credit report
  • On an account statement
  • On the furnisher’s official website
  • In a credit-reporting notice
  • In correspondence supplied by the company

Tell the furnisher:

  • Which information it reported incorrectly
  • Which credit bureaus display the error
  • Why the information is inaccurate or incomplete
  • What correction you are requesting
  • What evidence supports the dispute

Disputing with both organizations creates two investigation paths. The bureau reviews information in its file, while the furnisher reviews the records it supplied.

If the furnisher determines that its information is inaccurate, it generally must correct the information and notify the credit reporting companies to which it provided the error.

Should You Dispute Online or by Written Letter?

Online dispute Written dispute
Usually faster to submit Allows a detailed explanation
Provides an immediate confirmation Creates a complete paper record
May offer predefined dispute reasons Lets you describe unusual facts precisely
Documents can often be uploaded Copies can be organized and labeled
Portal wording may limit the explanation Tracked mail can prove delivery

An online dispute may be sufficient for a simple error. A written dispute may be more useful when:

  • The problem is complicated
  • Several dates or balances are involved
  • The bureau previously verified the error
  • You need to provide several supporting documents
  • The online system lacks an accurate dispute category
  • You want a documented delivery record

When filing online, save the complete text before submitting. Take screenshots and retain the confirmation number, uploaded documents and final result.

What Should a Credit Report Dispute Letter Include?

Include:

  • Your full legal name
  • Your current address
  • Previous address when relevant
  • Your date of birth or other identification requested by the bureau
  • The report confirmation or file number
  • The creditor or collector name
  • The account number as displayed
  • The specific information disputed
  • A concise explanation
  • The correction requested
  • A list of enclosed documents

Do not include:

  • Online banking passwords
  • Credit card security codes
  • PINs
  • One-time verification codes
  • Unnecessary full account details
  • Original documents you cannot replace

Follow the bureau’s identity-verification instructions. Redact unrelated financial information, but do not remove details required to identify the disputed account.

How Long Does a Credit Report Investigation Take?

A credit reporting company generally must investigate a dispute within 30 days after receiving it.

The investigation may take up to 45 days in certain circumstances, including when:

  • The dispute relates to information in a free annual report
  • You provide additional relevant information during the initial investigation period

After completing the investigation, the credit reporting company generally has five business days to notify you of the results.

Record the delivery date. The investigation period generally begins when the reporting company receives the dispute, not when you prepared or mailed it.

Keep:

  • Postal tracking
  • Delivery confirmation
  • Online submission date
  • Dispute confirmation number
  • Copies of every document supplied

What Happens During the Investigation?

The credit reporting company generally:

  • Reviews the information you supplied
  • Notifies the furnisher of the dispute
  • Sends the furnisher relevant dispute information
  • Receives the furnisher’s response
  • Updates, removes or retains the item based on the investigation
  • Sends you the result

The furnisher may review:

  • Account applications
  • Payment histories
  • Statements
  • Collection records
  • Recorded account notes
  • Contracts
  • Prior correspondence

A credit bureau does not necessarily possess the merchant’s complete account history. This is one reason to provide precise evidence and dispute directly with the furnisher as well.

Possible Credit Report Dispute Results

Information corrected

The account remains but inaccurate details are updated.

Information deleted

The disputed item is removed because it was inaccurate, belonged to another person or could not be verified.

Information verified

The bureau reports that the furnisher confirmed the information as accurate.

Information updated but not fully corrected

One part of the account changes while another disputed detail remains.

Dispute considered frivolous or irrelevant

The bureau concludes that it lacks enough information to investigate or that the dispute repeats a previously investigated claim without meaningful new evidence.

After receiving the result:

  • Compare it with the original report
  • Check every disputed field
  • Save the updated report
  • Review the other two credit bureaus
  • Verify that the furnisher made the same correction

Do not rely only on a message saying “updated.” Compare the balance, dates, payment status, account ownership and remarks line by line.

What if the Credit Bureau Says “Verified,” but the Account Is Still Wrong?

A verified result does not prevent you from taking further action.

Start by requesting or reviewing:

  • The investigation result
  • The furnisher’s contact information
  • The specific account fields reviewed
  • The procedure used to determine accuracy
  • Any supporting documents available from the furnisher

Then:

Compare the response with your evidence

Identify the exact fact that remains wrong.

Contact the furnisher directly

Ask which records support the reported balance, date or payment status.

Submit new supporting evidence

Provide documents that were not considered in the first investigation.

Send a focused follow-up dispute

Address the verified result rather than sending the original generic dispute again.

Escalate after the dispute period

Consider a CFPB complaint or other appropriate option when the investigation remains inadequate.

Example follow-up: “The response verified a balance of $2,400 but did not address the enclosed payoff statement showing a zero balance. Please investigate the balance using the payoff confirmation dated ___.”

What Is a Frivolous or Irrelevant Dispute?

A credit reporting company may determine that a dispute is frivolous or irrelevant when:

  • It does not identify what information is wrong
  • It does not explain why the information is disputed
  • It lacks information needed to investigate
  • It repeats a previous dispute without new facts or evidence
  • It broadly demands removal of every negative account

The company generally must notify you within five business days after making that determination and explain what information is needed.

A mass-produced letter does not replace account-specific evidence. Identify the exact balance, date, ownership or payment-status error for each account.

When a dispute is rejected:

  • Read the explanation
  • Supply the missing information
  • Rewrite the dispute more specifically
  • Attach relevant documents
  • Avoid resubmitting identical unsupported language

Can You Add a Statement of Dispute?

When an investigation does not resolve the disagreement, you may ask the credit reporting company to add a brief statement explaining the dispute to your file.

The statement may be provided or summarized in future credit reports.

A statement of dispute:

  • Does not remove the account
  • Does not force a lender to accept your explanation
  • Does not automatically improve a credit score
  • Can document that you continue to disagree with the information

Keep the statement brief and factual. Identify the disputed fact rather than telling the entire history of the account.

When Should You File a CFPB Credit Reporting Complaint?

Before submitting a CFPB complaint about inaccurate or incomplete information, first dispute the information directly with the credit reporting company.

Do not submit a CFPB complaint while the direct dispute is still pending unless at least 45 days have passed.

A CFPB complaint may be appropriate when:

  • The reporting company did not respond
  • More than 45 days have passed
  • The investigation is complete but did not address your evidence
  • The company repeatedly verifies clearly conflicting information
  • A correction was made and later reversed without explanation
  • The wrong information continues appearing after the furnisher corrected it
  • The dispute was improperly rejected as frivolous

Prepare:

  • The credit report showing the error
  • The original dispute
  • Proof of delivery or submission
  • The investigation result
  • Supporting documents
  • The furnisher’s response
  • A concise explanation of what remains wrong
  • The exact correction requested

Focus the CFPB complaint on the failed process. Explain what you disputed, what evidence you provided, how the company responded and what remains inaccurate.

Submit through the CFPB complaint system.

How Do You Block Identity-Theft Information?

When an account resulted from identity theft, you may request a block rather than relying only on an ordinary accuracy dispute.

You generally need to provide:

  • An identity-theft report
  • Proof of your identity
  • A letter identifying each fraudulent account or item

You can create an identity-theft report and recovery plan through IdentityTheft.gov.

After receiving the required request, the credit reporting company generally must block qualifying identity-theft information within four business days.

Do not use the identity-theft blocking process for debts or accounts you knowingly opened. False identity-theft claims can create serious legal problems.

Fraud Alert vs Credit Freeze

Fraud alert Credit freeze
Asks businesses to take additional steps to verify identity. Restricts access to the credit report.
May help when identity theft is suspected. Can make it more difficult to open a new account in your name.
Generally placed through one nationwide bureau, which notifies the others. Must generally be managed separately with each bureau.
Does not completely prevent access to the report. Can be lifted temporarily when you legitimately apply for credit.

A freeze does not:

  • Correct an existing credit-report error
  • Remove a fraudulent account already opened
  • Stop activity on an existing account
  • Replace contacting affected lenders

After identity theft, combine protective steps: secure existing accounts, report fraudulent accounts, dispute or block credit-report information and consider freezes with all three bureaus.

Should You Hire a Credit Repair Company?

A credit repair company may offer to:

  • Review credit reports
  • Identify possible errors
  • Prepare disputes
  • Communicate with credit bureaus
  • Track responses

These are tasks consumers can generally perform themselves for little or no cost.

A credit repair company cannot legally guarantee that it will:

  • Remove accurate negative information
  • Increase a score by a specific number
  • Create a perfect credit file
  • Erase a bankruptcy that is correctly reported
  • Remove every collection account
  • Produce instant results

Before services begin, a credit repair company generally must provide a written contract explaining:

  • The services it will perform
  • The total cost
  • How long the process may take
  • Any guarantees offered
  • Your three-day right to cancel without charge

A credit repair company generally cannot legally demand payment before providing the promised service.

Credit Repair Scam Warning Signs

Avoid a company that:

  • Demands a large upfront payment
  • Guarantees deletion of accurate information
  • Promises a new credit score within days
  • Tells you not to contact the credit bureaus
  • Disputes every account regardless of accuracy
  • Advises you to file a false identity-theft report
  • Tells you to lie on a credit application
  • Offers a new credit identity
  • Promotes a CPN as a replacement for your Social Security number
  • Refuses to provide a written contract
  • Does not explain the right to cancel
  • Guarantees approval for a loan or apartment
  • Creates urgency by claiming a secret deadline

A Credit Privacy Number or CPN does not create a legitimate new credit identity. Using another number to hide your credit history can involve identity theft, false statements or misuse of government-issued identifiers.

Report suspected credit repair scams through:

  • ReportFraud.ftc.gov
  • Your state attorney general
  • Your state consumer-protection agency
  • The CFPB when the complaint concerns a covered financial product or service

What Is a 609 Credit Repair Letter?

A “609 letter” is commonly promoted online as a secret method for forcing credit bureaus to remove negative accounts.

Section 609 of the Fair Credit Reporting Act concerns disclosures consumers may receive about information in their files. It does not create an automatic deletion right simply because a credit bureau cannot produce an original signed contract on demand.

There is no magic letter that requires accurate information to be deleted merely because you cite a section number.

A useful dispute should instead identify:

  • The actual reporting error
  • The evidence showing it is wrong
  • The correction requested
  • The account and bureau involved

A bureau may reject a vague form letter that does not provide enough information to investigate.

What Is a Goodwill Letter?

A goodwill letter asks a creditor to voluntarily remove or adjust an accurate negative notation, often an isolated late payment.

It may explain:

  • Why the payment was late
  • Why the event was unusual
  • Your otherwise positive history
  • The steps taken to prevent recurrence

A goodwill letter is not a formal accuracy dispute.

Accuracy dispute Goodwill request
Claims the information is incorrect or incomplete. Acknowledges that the information may be accurate.
Requests an investigation. Requests voluntary consideration.
Should include evidence of the error. Usually explains circumstances and payment history.
May involve legal investigation requirements. The creditor generally is not required to grant the request.

Do not describe accurate information as inaccurate merely because a goodwill request was denied.

What Does “Pay for Delete” Mean?

Pay for delete generally refers to an agreement in which a collector accepts payment and agrees to request removal of a collection account.

Before considering an agreement:

  • Confirm that the debt belongs to you
  • Review the balance and collector’s authority
  • Understand how payment may affect the debt
  • Get every promise in writing before paying
  • Do not assume the original creditor’s entry will also disappear
  • Do not rely on a verbal promise

Payment does not automatically produce deletion. When no written deletion agreement exists, the collector may simply update the account to paid or settled.

Credit reporting should remain accurate. A collector’s practices and willingness to request deletion may vary.

How to Rebuild Credit Legally

Correcting errors is only one part of improving a credit history.

Long-term improvement may involve:

  • Paying bills on time
  • Bringing past-due accounts current when possible
  • Reducing credit card balances
  • Avoiding unnecessary new debt
  • Keeping older accounts open when appropriate
  • Reviewing reports regularly
  • Responding quickly to identity theft
  • Using credit carefully and consistently

Set payment reminders or automatic minimum payments, but continue reviewing statements to confirm that automatic payments were processed correctly.

Avoid products that promise instant score increases. Credit scores can change as account balances, payment histories and report information update, but no company can guarantee a specific improvement.

Your problem What to verify Likely next step
Wrong late payment Payment date, due date and creditor records Dispute with bureau and creditor
Account is not yours Ownership, addresses and identity-theft signs Dispute or request identity-theft block
Same debt listed twice Account numbers, ownership and balances Dispute inaccurate duplicate reporting
Closed account shown open Closure confirmation and current balance Request status and date correction
Paid debt still shows balance Payoff or settlement records Dispute balance and payment status
Collection is unfamiliar Original creditor and collector authority Request validation and review identity theft
Dispute says verified Evidence considered and remaining error Contact furnisher and send focused follow-up
Dispute received no response Delivery date and 30- to 45-day period Follow up and consider CFPB complaint
Old information remains Date of first delinquency and reporting period Dispute obsolete information
Credit repair company took money upfront Contract, charges and services performed Cancel when eligible and file complaints

Credit Report Guides and Templates

This hub will connect to detailed Charge Decoded guides covering individual credit-report problems.

Frequently Asked Questions

Can I repair my credit myself?

Yes. You may obtain your reports, identify errors and submit disputes directly to the credit bureaus and furnishers without hiring a credit repair company.

Does disputing an account hurt your credit score?

Submitting a dispute does not itself create a new late payment or debt. A score may change when disputed information is updated, removed or reinserted.

How often can I get free credit reports?

Equifax, Experian and TransUnion currently provide free online reports once a week through AnnualCreditReport.com.

Should I dispute with all three credit bureaus?

Dispute with every bureau displaying the error. An account may be correct on one report and inaccurate on another.

Should I also dispute with the creditor?

Yes. Official guidance recommends disputing with both the credit reporting company and the business that supplied the inaccurate information.

How long does a credit bureau have to investigate?

The investigation generally must be completed within 30 days. Certain circumstances may allow up to 45 days.

How long does the bureau have to send the results?

The reporting company generally must notify you within five business days after completing the investigation.

What happens when the company cannot verify an account?

Information that cannot be verified during the investigation may need to be updated or removed. Review the result carefully to confirm what changed.

Can a deleted account return?

Information may sometimes be reinserted when it is later certified as complete and accurate. The credit reporting company generally must provide notice of reinsertion.

Can I remove an accurate late payment?

You generally cannot force removal through an accuracy dispute. You may request a voluntary goodwill adjustment, but the creditor is not required to grant it.

Does paying a collection remove it?

Not automatically. Payment should update the balance and status, but the collection may remain until its reporting period ends unless a separate deletion arrangement applies.

Can a credit repair company guarantee deletion?

No legitimate company can guarantee removal of accurate and current information.

Can a credit repair company charge upfront?

Federal rules generally prohibit credit repair companies from charging before they complete the promised services.

What is the three-day cancellation rule?

A credit repair contract generally must explain your right to cancel within three business days without charge.

Does a 609 letter force a credit bureau to delete an account?

No. Merely citing Section 609 or demanding an original signed contract does not create an automatic deletion right.

Can I dispute every negative account?

You should dispute information you genuinely believe is inaccurate, incomplete, obsolete or caused by identity theft. Knowingly disputing accurate information may result in rejection and can create other problems.

What if my dispute is called frivolous?

Read the bureau’s notice, identify what information was missing and submit a more specific dispute with relevant supporting documents.

When can I file a CFPB complaint?

First dispute the inaccurate information directly with the credit reporting company. Do not submit a CFPB complaint while the dispute remains pending unless 45 days have passed.

How fast can identity-theft information be blocked?

After receiving the required identity-theft report, proof of identity and identification of the fraudulent information, a credit reporting company generally must block qualifying information within four business days.

Does a credit freeze remove existing errors?

No. A freeze restricts access to your credit report but does not correct accounts already appearing in the file.

Can I create a new credit identity with a CPN?

No. A CPN is not a lawful replacement for a Social Security number and may be connected with identity theft or false statements.

Official Credit Report and Credit Repair Resources

Bottom Line

Legal credit repair means correcting inaccurate, incomplete, outdated or fraudulent information. It does not mean forcing credit bureaus to erase accurate debts or creating a new credit identity.

Review all three reports, identify each error precisely and dispute it with both the credit bureau and the company that supplied the information. Preserve evidence, track the investigation period and escalate when the result does not address the facts.

The practical rule: Dispute facts, not feelings. Identify the exact error, show the evidence and request a specific correction.

This page provides general U.S. consumer information and does not provide individualized legal, credit or financial advice. Credit reporting rights, procedures and timeframes may vary based on the facts and applicable law.

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