Obtain copies of your credit reports from Equifax, Experian, and TransUnion
Identify the accounts you want to dispute
Gather supporting documents for each disputed account
Check for errors such as incorrect balances, late payments, duplicate accounts, or accounts that do not belong to you
File a dispute with each credit bureau reporting the inaccurate account
Submit disputes online, by mail, or by phone if available
Include your full name, address, date of birth, Social Security number, account details, and a clear explanation of the error
Attach copies of supporting documents, not originals
Keep copies of everything you send
Send disputes by certified mail if filing by mail
Dispute the account directly with the creditor or collection agency as well
Monitor the status of each dispute
Review the results after the investigation is completed
Request updated credit reports showing any corrections
Re-dispute any remaining inaccurate information with additional evidence
Add a fraud alert or credit freeze if the account is the result of identity theft