Something wrong on your credit report?
Start by identifying exactly what you believe is inaccurate or incomplete.
Before you dispute
• Get your current report and locate the specific entry.
• Write down what is incorrect and why.
• Collect statements, receipts, or other documents supporting your position.
• Submit your dispute to the appropriate credit bureau and keep copies.
What a dispute can and can’t do
You have the right to dispute inaccurate or incomplete information. You can’t force the removal of accurate negative information just because it hurts your credit.
Source: CFPB: credit report disputes.
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