Find the specific mistake
Go through each report and mark anything that's inaccurate, incomplete, or belongs to someone else. Gather the documents that prove it. Keep a copy of the report with the disputed items highlighted.
Dispute with the bureau and the lender
Send a clear explanation and copies of your evidence to the credit bureau and to the company that reported the item. Follow their dispute instructions exactly and keep a record of what you sent and when they replied.
Know what disputes can and can't do
Fixing an error is not the same as deleting an accurate late payment. A paid company can't legally promise a score increase or erase correct, current information, no matter what the ad says.
Now put it to use
Take these questions to the comparison and see which company answers them best.
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