How Do I Dispute Credit Report Errors?
How to remove errors on Credit Reports, Employment Screening Reports, Tenant Screening Reports, or Consumer Reports
If you spot an error on a report listing your credit information, you need to send a letter directly to that credit bureau and submit a written dispute.
Your dispute letter should include:
- A copy of the page from your current report showing the error.
- Highlight the disputed information so that it is easy for the credit bureau representative to locate the item you dispute.
- Briefly state why this item is listed incorrectly.
- Attach any supporting documentation that will verify your claim.
- Send your dispute letter to the bureau by Certified Mail, Return Receipt. The bureaus have 30 days to respond to your dispute.
- Keep a complete copy of your dispute letter.
- Maintain a file with all dispute letters, supporting documents and responses from the credit bureaus.
Seek Legal Help
Flitter Milz is a consumer protection law firm that represents people that have errors on their credit reports. When these errors remain, the consumer's ability to obtain credit, or keep existing credit, could be in jeopardy. The Fair Credit Reporting Act provides legal protections for consumers that experience harm resulting from inaccurate credit reporting. Contact us for a free legal evaluation of your credit reporting problems.