How to Dispute Credit Report
Learn how to dispute credit report with our detailed step-by-step guide. Follow our easy instructions to get it done right.
Your Progress
0 of 6 steps completedStep-by-Step Instructions
1 Step 1: Obtain Your Credit Reports
Step 1: Obtain Your Credit Reports
Get free copies from all three bureaus (Equifax, Experian, TransUnion) at AnnualCreditReport.com.
Credit Monitoring Service
3-bureau credit monitoring with alerts
2 Step 2: Review Reports for Errors
Step 2: Review Reports for Errors
Carefully examine each report for incorrect accounts, wrong balances, identity errors, or outdated information.
Credit Report Review Guide
How to spot and document credit report errors
3 Step 3: Gather Supporting Documentation
Step 3: Gather Supporting Documentation
Collect proof of errors such as payment receipts, account statements, or identity documents.
4 Step 4: File Dispute with Credit Bureau
Step 4: File Dispute with Credit Bureau
Submit written dispute letter or online dispute form detailing each error with supporting evidence.
Credit Dispute Letter Templates
Professional templates for effective dispute letters
Certified Mail Service
Send disputes via certified mail with return receipt
5 Step 5: Follow Up on Investigation
Step 5: Follow Up on Investigation
Credit bureau has 30 days to investigate; track progress and respond to any requests for information.
6 Step 6: Review Results and Escalate if Needed
Step 6: Review Results and Escalate if Needed
If dispute is unsuccessful, contact the creditor directly or file a complaint with the CFPB.
Credit Repair Consultation
One-hour session with credit repair specialist