How to Dispute Errors on Your Credit Report

Why Credit Report Errors Matter

Studies have found that a significant percentage of credit reports contain errors. Even small mistakes can lower your score and cost you money in higher interest rates.

Step 1: Get Your Free Reports

You're entitled to one free credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) every 12 months through AnnualCreditReport.com.

Step 2: Review Carefully

Check every section of each report:

• Personal information: Name, address, Social Security number
• Account history: Account numbers, balances, payment status
• Public records: Bankruptcies, judgments, tax liens
• Inquiries: Companies that have checked your credit

Step 3: Identify Errors

Common errors include:

• Accounts that don't belong to you
• Incorrect payment statuses (showing late when you paid on time)
• Outdated negative information that should have fallen off
• Duplicate accounts
• Incorrect personal information

Step 4: File a Dispute

You can dispute errors online, by mail, or by phone. Written disputes sent by certified mail create the strongest paper trail. Include:

• Your full name and address
• The specific items you're disputing
• Why you believe the information is inaccurate
• Copies of supporting documents

Step 5: Follow Up

Credit bureaus generally have 30 days to investigate your dispute. They must provide you with written results and a free copy of your updated report if changes were made.

Key Takeaway

You have the right to accurate credit reporting. Don't hesitate to dispute information you believe is incorrect—but always be truthful and provide supporting evidence.