Question 1

How do I dispute an error on my credit report?

Accepted Answer

Write to the credit bureau (Equifax, Experian, or TransUnion) identifying each inaccurate item, explain why it's wrong, and include supporting documents. Under FCRA, the bureau must investigate within 30 days.

Question 2

What rights do I have under the Fair Credit Reporting Act?

Accepted Answer

FCRA gives you the right to dispute inaccurate information, have errors investigated within 30 days, receive a free credit report annually from each bureau, and sue for damages if a bureau willfully violates the law.

Question 3

How long does a credit dispute take?

Accepted Answer

Credit bureaus must complete their investigation within 30 days of receiving your dispute (45 days if you provide additional information). They must notify you of the results within 5 business days of completing the investigation.

Question 4

Should I dispute with the credit bureau or the creditor?

Accepted Answer

Dispute with both. File with the credit bureau under FCRA for a formal investigation, and simultaneously contact the creditor directly to request correction. This two-pronged approach is most effective.

Question 5

What documents should I include with a credit dispute?

Accepted Answer

Include a copy of your credit report with disputed items highlighted, any supporting evidence (payment receipts, account statements, identity theft reports), and a clear explanation for each disputed item.

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