Step-by-step guide on how to dispute credit report if you have inaccurate negatives or delinquencies on your credit dispute report. Read more and follow along.

Click here to get your free credit score and see if you need to dispute any errors.

Credit Dispute Report
Step 1: If you want to know how to dispute credit report, you first need to see your credit report and find any errors or inconsistencies. Use the link above to get a really free credit score. Look through your credit report thoroughly and see if you see any errors. Your credit report is broken down in 5-6 sections.

The first part is your personal information and identification. It’s important that you use the same name when filling out for applications because your name may be mixed up with someone else’s. Remember to write legibly in all your applications and make sure your social security number is correct.

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The order of these sections are not important, but the next part with your credit history is the most important piece of information. This will list all your open accounts and paid debt that you have taken care of in the past. This section of your credit history is generally the longest, so take your time to read this and if you find any errors, you’ll need a credit dispute report. It will usually list each account by their name, the company name, the date it was opened, what kind of account it is, status, terms, balance, and past due. As you can see, it gets pretty in-depth about your history and even goes into what kind of account it is: open, revolving, closed, or installment. You really have to pay attention to any inaccurate delinquencies and get ready to file a credit dispute report.

The next sections are your collection accounts, courthouse records, additional information, and inquiries. These are also especially important to take note of if you want to submit a credit dispute report. It is imperative to find and remove any errors on your credit report because it can really lower your score.

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Step 2: How to Dispute Credit Report

Here is where you tell the creditor that you want to dispute an item on your credit report. You want to be sure to dispute your credit report in writing. Keep a copy of your dispute letter and send it via snail mail by certified mail. This will ensure that the creditor receives the credit report dispute and it also gives you a return receipt that proves they received it. Once the creditor gets it, they have 30 days to respond to your dispute and run an investigation of their own. If the dispute on your credit report is indeed inaccurate, it will have to get removed from your credit report.

If the negative information on your credit report proves to be true or you knew it was true, you can’t dispute something that is accurate on your credit report. The only thing you can do is continue paying your bills on time and waiting on time. A negative on your credit report starts losing a bit of its’ steam at around 3-4 years after the negative happened. After 7 years, it will completely drop off of your credit report. If you have something more serious on your credit report like a bankruptcy, then unfortunately that will take longer to disappear off of your credit report. For a bankruptcy, it will take 10 years to drop off of your credit history. This is called the statute of limitations and when it runs out, you can be cleared for the negatives or you can wait for the time period to run out: for negatives it takes 7 years and for bankruptcy it will take 10 years.