Credit Report Help

Build credit and dispute report errors.

Prepare disputes for inaccurate, incomplete, outdated, or unverifiable items. Accurate negative information usually cannot simply be removed.

Processing

Local only

Get official reports

Start with your official credit reports so you can identify the exact bureau, company, account, and error.

AnnualCreditReport.com

Dispute real errors

Dispute with the credit bureau and, when needed, the company that supplied the information.

CFPB dispute guide

Build stronger credit

Use on-time payments, lower balances, and steady account management to rebuild over time.

CFPB rebuild guide

Scan report text

Paste lines from your report. The scan runs locally in this page.

Paste report text to find possible dispute items locally.

Create a dispute plan

Full nameMailing addressLetter typeCredit bureauCompany / creditor / collectorAccount

Issue type

Extra explanationRequested fixSupporting evidence

Dispute tracker

Letter draft

Review, edit if needed, copy, then send with supporting documents.

Date: 7/10/2026

To: All three Dispute Department

From:
Name: [your full name]
Mailing address: [your mailing address]

Subject: Credit bureau dispute

I am writing to dispute inaccurate or incomplete information appearing on my credit report. Please investigate this item and delete, correct, or update it as required if it cannot be verified as accurate and complete.

Item being reviewed:
Credit bureau: All three
Company / furnisher: Example Collections
Account: Acct ending 1234

Problem:
Issue type: Account does not belong to me
Extra explanation: This account does not belong to me.

Requested action:
Please delete or correct this inaccurate item.

Supporting documents included:
Copy of credit report page, ID, proof of address, payment records if available.

Please send written results of your investigation and an updated copy of my report if this dispute causes a change.

Thank you,
[your full name]

Send copies of evidence, not originals. Keep copies and dates. Credit-report disputes are usually investigated within 30 days, with some cases taking up to 45 days.