Credit Disputes

You can file disputes with Experian, Equifax, and TransUnion simultaneously. Each bureau investigates independently, so sending to all three at once is the fastest way to correct errors. Use separate letters for each bureau referencing the same inaccurate item.

Include copies of supporting documents like bank statements, payment receipts, court records, or identity theft reports. The stronger your evidence, the more likely the bureau will rule in your favor. Always keep originals and send copies.

You can dispute any item you believe is inaccurate, incomplete, or unverifiable. However, credit bureaus are not required to remove information that is verifiably accurate. Strategies like goodwill letters work better for accurate-but-negative items.

Under the FCRA, if a credit bureau fails to complete its investigation within 30 days (45 in some cases), the disputed item must be removed from your report. Send disputes via certified mail to document the timeline.

There's no legal limit, but disputing too many items at once may trigger the bureau to classify your dispute as frivolous. We recommend disputing 3-5 items per letter for the best results, then following up with additional rounds.