Credit Report Dispute

What is this workflow?

This workflow guides you through the essential steps to dispute inaccuracies found on your credit reports from the three major credit bureaus. It helps consumers take control of their credit information, ensuring that it is accurate and up-to-date.

Who should use this workflow?

This workflow is ideal for consumers who have identified errors in their credit reports, individuals who may have been victims of identity theft, or anyone looking to improve their credit rating by ensuring all information is correct.

What you'll need

• Recent credit reports from all three major bureaus
• Documentation supporting your claims of inaccuracies (receipts, statements)
• Personal identification information

Step-by-step process

1. Get Free Credit Reports: Obtain your reports from all three major bureaus.
2. Document Each Error: Create a list of inaccuracies.
3. Upload Supporting Evidence: Provide proof of the errors.
4. Generate and Mail Dispute Letters: Send letters to the bureaus and furnishers.
5. Follow Up: Wait for responses and check investigation outcomes.

Expected timeline and outcomes

The entire dispute process may take approximately 4-6 hours of your time, including waiting periods for responses from credit bureaus. Expect to see corrections made if your claims are validated.

Tips for success

• Keep copies of all correspondence for your records.
• Follow up if you do not receive a timely response.
• Consult a consumer rights attorney if issues persist.