Get a copy of your credit reports from all three bureaus
Review each report carefully for errors
Gather documents that support your claim
Identify the specific items you want to dispute
File a dispute with the credit bureau reporting the error
Submit your dispute online, by mail, or by phone if allowed
Include your full name, address, Social Security number, and date of birth
Clearly state each inaccurate item and why it is wrong
Attach copies of supporting documents
Keep copies of everything you send
Send disputes to each bureau separately if the error appears on multiple reports
Dispute the item directly with the creditor or furnisher as well
Track deadlines and follow up on the investigation
Review the results after the bureau completes its investigation
Request that corrected information be sent to anyone who received the report recently
Add a consumer statement if the issue is not resolved
Monitor your credit reports again after the dispute is closed