Check the details
Review names, addresses, accounts you recognize, balances, payment status and dates. List differences and gather supporting documentation.
Dispute with a basis
A dispute should address information you believe is incorrect and explain why. Do not submit false information or identity theft reports that are not true.
Know your options
You can dispute errors yourself for free. Hiring help does not guarantee account removal or a higher score.
Protect documents
Avoid sharing full reports or identifiers in open forms or messages. Agree on an appropriate channel before sharing documents.
Sources and official readingFTC — Fixing your credit FAQs CFPB — Credit repair and consumer rights
Book a conversationGeneral educational content. Not an eligibility assessment or legal, tax or investment advice. Product conditions may change.