How to Dispute Credit Issues

Step-by-Step Guide

1. 1

   Step 1: Obtain a copy of your credit report.

   This may be done by contacting each of the three credit reporting companies or by obtaining a credit report through the Federal Trade Commission.
2. 2

   Step 2: Carefully review your credit report for accounts you don't recognize and inaccurate information.

   , Do this in writing.
   
   In your letter, detail the information that is inaccurate and why the information is inaccurate.
   
   Provide documentation to support your claim.
   
   You may also wish to include a photocopy of your credit report with the inaccurate information highlighted or circled. ,,, If your credit report is changed as a result of your dispute, you will also be provided with a copy of your credit report at no charge.
   
   Request that the credit reporting agency notify of the changes anyone who obtained your credit report in the past six months.
   
   This is not mandatory and will only be done if you request the credit reporting company to do so.
   
   Request that the credit reporting agency place a statement of the dispute in your file and on future reports if the dispute is not resolved.
   
   If you wish to do so, ask the credit reporting company to provide a statement of the dispute to anyone who has obtained your credit report in the past six months.
3. 3

   Step 3: Contact both the credit reporting agency and the provider of the information if you see any inaccuracies.

4. 4

   Step 4: Keep a photocopy of the letter and supporting materials for yourself.

5. 5

   Step 5: Send your letter via certified mail and request delivery confirmation to establish documentation that the materials were received.

6. 6

   Step 6: Review the response you receive from the credit reporting company.

Detailed Guide

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