credit report disputes

A credit report dispute occurs when you believe some information on your credit report is inaccurate, incomplete, or outdated. You can challenge these entries by contacting the credit bureaus, providing evidence to support your claim. The bureaus will then investigate, usually within 30 days. If they find the information is indeed incorrect, they will update or remove it, helping improve your credit report’s accuracy. Disputing errors can ensure your credit report accurately reflects your financial history, which can impact your ability to get loans, credit cards, or favorable interest rates.