Get a free copy of your credit report from Equifax, Experian, and TransUnion
Identify the inaccurate, incomplete, or outdated item
Gather documents that support your dispute
File a dispute with the credit bureau reporting the error
Include your full name, address, date of birth, and Social Security number
Clearly state what information you are disputing and why
Attach copies of supporting documents, not originals
Send the dispute by certified mail or use the bureau’s online dispute system
Keep copies of everything you submit
File a dispute with the creditor or furnisher that reported the information
Track the dispute status and note deadlines
Review the investigation results when you receive them
Confirm the credit report was corrected if the dispute is resolved in your favor
Add a statement of dispute to your credit report if the item is not corrected
Recheck your credit reports to make sure the change appears on all bureaus