Here are the steps on how to dispute your credit report:
- Get your credit report. You can get your credit report for free once a year from each of the three major credit bureaus: Experian, Equifax, and TransUnion. You can get your credit report online, by mail, or by phone.
- Review your credit report. Carefully review your credit report for any errors. Look for information that is inaccurate, incomplete, or outdated.
- Dispute the error. If you find an error on your credit report, you can dispute it with the credit bureau. You can dispute the error online, by mail, or by phone.
- Provide evidence. When you dispute an error, you will need to provide evidence to support your claim. This evidence could include copies of documents, such as payment receipts or letters from creditors.
- Follow up. Once you have disputed an error, you should follow up with the credit bureau to see if the error has been corrected. You can check your credit report online or by mail to see if the error has been removed.
If the credit bureau does not correct the error, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is a government agency that protects consumers from unfair, deceptive, or abusive financial practices.
Here are some additional tips for disputing your credit report:
- Be specific. When you dispute an error, be as specific as possible about what is wrong. For example, instead of saying "my credit report is inaccurate," say "the balance on my account is incorrect."
- Provide evidence. As mentioned above, you will need to provide evidence to support your claim. This evidence could include copies of documents, such as payment receipts or letters from creditors.
- Be persistent. It may take some time to get the error corrected. Be persistent and follow up with the credit bureau regularly.
Disputing your credit report can be a frustrating process, but it is important to remember that you have rights. If you find an error on your credit report, you should dispute it and fight to get it corrected.