How to dispute errors on your credit report
A free, step-by-step guide to get your reports at no cost, find errors and dispute them with the credit bureaus.
What's inside
- How to get your free credit reports from the official site
- Which errors to look for, line by line
- How to gather your proof
- How to dispute with the bureau and with the company that reported the information, using free CFPB sample letters
- What to expect and what to do if it is not fixed
- Which promises to avoid: why “609 letters” do not erase accurate information
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Important: this guide is informational. AreliScore does not have access to your credit reports and does not file disputes on your behalf. It is based on materials from the CFPB and the FTC.