A credit report error can happen due to inaccurate reporting of a credit account or a clerical error in the report.
To dispute a credit report error, you need to collect documentation on the error and send a letter to the credit bureau.
Include a copy of your credit report with the errors highlighted along with any other supporting documents.
The most concerning errors are those that could hurt your scores or suggest ID theft, like wrong account status or fraud.
You should also contact the business that reported the inaccurate information to the credit bureau.
If you decide to mail a dispute, include your complete name, address, and telephone number,
Add the contact information for the credit bureau and the business that reported the inaccurate information too.
Explain in writing what you think is wrong, include the bureau’s dispute form (if any), and keep a record of everything.
If you send your dispute by mail, you can expect the credit bureau to take up to 30 days to investigate and respond.