How to File a Dispute with the Credit Bureau

Inaccurate or outdated information on your credit report can damage your credit score and affect your ability to qualify for loans, credit cards, and other financial products. If you find an error on your credit report, you have the right to dispute it with the credit reporting agency that provided the information.

Steps to File a Dispute

Obtain a free copy of your credit report. You can get a free copy of your credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) once per year by visiting annualcreditreport.com.
Identify the error. Carefully review your credit report and identify any inaccurate or outdated information. Common errors include incorrect personal information, inaccurate account balances, and accounts that you do not recognize.
Gather supporting documentation. If possible, gather supporting documentation to prove the error, such as a copy of a bill or statement that shows the correct information.
File a dispute letter. Write a dispute letter to the credit reporting agency that provided the inaccurate information. Your letter should include the following:
- Your personal information (name, address, phone number)
- A copy of your credit report showing the error
- A brief description of the error and why it is incorrect
- Any supporting documentation you have
Send your dispute letter. You can send your dispute letter by mail or online. The credit reporting agency has 30 days to investigate your dispute and provide you with a written response.
Follow up. If you do not receive a response from the credit reporting agency within 30 days, follow up with them. You may also need to contact the creditor who provided the inaccurate information.

Tips for Filing a Dispute

Be clear and concise in your dispute letter.
Provide as much supporting documentation as possible.
Be persistent and do not give up if your dispute is not resolved immediately.
If you are having difficulty filing a dispute, you can contact a credit counseling agency for assistance.

Conclusion

Filing a dispute with the credit bureau can be a time-consuming process, but it is important to take action if you find inaccurate or outdated information on your credit report. By following the steps outlined above, you can help ensure that your credit report is accurate and up-to-date, which can improve your credit score and give you access to better financial products.

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