Credit Disputes - How to Initiate One and Improve Your Credit Score

One in five people has an error on at least one of their three credit reports, as reported by the Federal Trade Commission.

For example, you may discover information about a credit card you never had on one or all three of your credit reports. You may find a misspelling of your name on the list of alternative names you have gone by. You may see late payment information for a credit line that was never paid late, or even a line of credit still listed as open when you have closed it.

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These are just some examples of questionable negative information on your credit report that can adversely affect your credit score and form the basis of your credit dispute. Since the study conducted by the FTC revealed that errors can lead consumers to pay more for products such as insurance and auto loans, it’s important to take immediate action on any errors you find.

What is a Credit Dispute?

A credit dispute is an inquiry sent to a credit bureau about an error on your credit report. If you regularly check your credit reports from all three major credit bureaus, you're likely on the lookout for negative information. If and when you do come across such information, you may wonder what your options are to fix your credit reports. The answer is a credit dispute. By submitting a dispute, you are requesting that the credit bureau look into the accuracy of this information and to correct the information or remove it from your credit report if they are unable to verify that it is accurate. Essentially, a dispute is a request sent to the credit bureaus for them to conduct an investigation of questionable information on your credit report.