# How to Dispute Mistakes On Your Credit Report
Errors on your credit report can tank your score and cost you thousands in higher interest rates. The good news: you have legal rights to challenge inaccuracies.
Your credit report comes from three major bureaus: Equifax, Experian, and TransUnion. These agencies compile payment history, account balances, and public records that lenders use to decide if you're creditworthy. A single mistake, like a late payment you never made or an account opened fraudulently in your name, can drag your score down significantly.
Start by obtaining your free credit reports. The Fair Credit Reporting Act entitles you to one free report annually from each bureau through AnnualCreditReport.com. Review them carefully for errors like accounts you don't recognize, incorrect balances, wrong payment statuses, or duplicate entries.
Found a mistake? Act fast. Send a written dispute directly to the bureau reporting the error. Include your name, address, account number, and a clear explanation of why the information is wrong. Attach copies of supporting documents, like bank statements or payment receipts. Send everything certified mail with return receipt requested.
By law, the credit bureau has 30 days to investigate your dispute. They must contact the creditor or data furnisher and verify the information. If they can't confirm the error, they must remove it from your report.
Not satisfied with the result? You have options. File a complaint with the Consumer Financial Protection Bureau (CFPB) or your state's attorney general. If the bureau violated your rights, you can sue for damages.
Prevention matters too. Monitor your credit regularly using free services like Credit Karma or NerdWallet. Consider placing a fraud alert with the bureaus if you've been a victim of identity theft, or freezing your credit to prevent unauthorized accounts.
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