# How to Dispute Mistakes On Your Credit Report
Errors on your credit report tank your score and cost you money in higher interest rates. You need to act fast to fix them.
The Fair Credit Reporting Act gives you the right to dispute any inaccurate information directly with the credit bureau. Start by requesting your free credit report from AnnualCreditReport.com, the official government site. Review all three reports from Equifax, Experian, and TransUnion carefully.
Found a mistake? File a dispute with the bureau reporting the error. You can do this online, by mail, or by phone. Provide clear documentation supporting your claim. The bureau must investigate within 30 days and remove the error if they can't verify it.
Send disputes to all three bureaus if the same error appears on multiple reports. Keep copies of everything you submit.
Credit bureaus sometimes drag their feet. If the bureau doesn't respond or removes the error then adds it back, escalate to the Consumer Financial Protection Bureau. File a complaint through their website. This forces the bureau to take your case seriously.
Your credit score rebounds once the error disappears. Some people see 50 to 100-point jumps. That translates to lower rates on mortgages, auto loans, and credit cards. Fix your report today. Don't let someone else's mistake drain your wallet.