Credit report errors
When your credit report is wrong
The bureaus have to investigate a dispute and fix what’s wrong. When they don’t, the law gives you a claim.
We draft the dispute with the proof attached, send it to each bureau and to the company that reported the error, and follow up when the answer is a form letter. Federal credit reporting law makes the bureau or the company pay your lawyer’s fees when it broke the rules; you may still owe court costs, and we explain them first.
We fix
Paid or settled debts shown as unpaid
Accounts opened by someone else
Another person’s name or debts in your file
The dispute
How a dispute goes from us
Pull all three reports
So we can see which bureaus show the error.
Draft it with the proof
Payoff letters, statements, a police report for identity theft.
Check the answer
If the error stays, we talk about a claim.
Credit report questions
Should I dispute online?
A written dispute with copies of your proof makes a record. Our letter kit has the one we start from.
Will a dispute lower my score?
No. Disputing an error doesn’t hurt your score, and fixing it can help.
How long does a bureau have to answer?
The law sets a short window for most disputes. We track it from the day the bureau receives yours.