Credit Reports
Credit report problems usually start with a specific account, date, balance, status, or company name that does not look right. Start by identifying the exact information that appears inaccurate, incomplete, outdated, duplicated, or unfamiliar.
Start here
- Remove a closed account from your credit report
- Can you remove negative items from a credit report?
- Duplicate account on your credit report
- Wrong balance on your credit report
- Outdated information on your credit report
- How to dispute a credit report error
What to document
- The credit reporting company showing the entry
- The account name and account number, if shown
- The balance, status, and dates
- Whether the same account appears more than once
- Any letters, statements, payment records, or identity theft records
Important rule
Disputes should focus on specific information that is inaccurate, incomplete, outdated, duplicated, or not yours. Accurate negative information generally cannot be removed simply because it hurts your score.