Repair Credit Score

Don't dispute more than three items on your Credit Report

It is best to not dispute more than three items in one letter. If you wish to dispute more then three items, use separate letters for each group of three. A long list of disputes can indicate to the agency that you are not serious and are disputing everything just to make trouble. Include copies of any documents that support your position, such as letters confirming an account has been paid off or closed.

Does it cost anything to dispute Credit Report?

There is no cost to you to dispute your Credit Report. This is your legal right, so do not be afraid to exercise it!

When will I hear back from the credit bureau after filing a Credit Report dispute?

Generally, the agency has thirty days to contact you after receiving your letter. If you do not hear back from the agency within thirty days, send a second letter for reinvestigation. Once the credit reporting agency receives your request for reinvestigation, it has thirty days to reinvestigate the items on your Credit Report that you are disputing. If you provide the agency with information about the item, then the agency has fifteen extra days to investigate, a total of forty-five days. If the agency does not respond to your requests, contact the FTC (Federal Trade Commission) to file a complaint.