Your credit score is a starting point. Understand the story behind it.
Learn what a score represents, why scores differ, and what deserves your attention.
Read the guideCredit reports
Found a credit report error? Here’s where to begin.
A clear, documented approach to a concern on your credit report.
Be specific about the error
Identify the bureau, account, and detail you believe is wrong. Explain what the correct information should be and why.
Organize your evidence
Keep copies of relevant statements and correspondence. Use official dispute channels and follow their documentation instructions. Do not send original records.
Follow the response
Save submission confirmations and review the investigation result. If the issue remains, consider additional documentation or the CFPB complaint process. You can take these steps yourself at no charge.
Continue with trusted resources
CFPB: Disputing a credit report errorResults vary by individual credit profile. No score increase, deletion, or credit approval is guaranteed. Accurate and timely negative information generally cannot be removed simply because it affects a credit score. You can dispute credit report errors yourself at no charge.
General educational information. Not legal or individualized financial advice.
