Get a copy of your credit reports from all three bureaus
Identify the inaccurate, incomplete, or unverifiable items
Gather supporting documents
File a dispute with the credit bureau reporting the item
Include your name, address, account number, and a clear explanation of the error
Attach copies of supporting documents
Send the dispute by certified mail or use the bureau’s online dispute process
Keep copies of everything you send
File a separate dispute with the creditor or furnisher of the information
Track the dispute status and deadlines
Review the results after the investigation
Request an updated credit report if the item is corrected or removed
Dispute again if the item is still inaccurate and you have new evidence