Home Credit report disputes

How to Dispute a Credit Report Error

1. How to Dispute a Collection on Your Report

   A collection entry on your credit report can hurt your business funding. Here is how to dispute one yourself, for free, if it is wrong.

2. Adverse Action Notices: What They Tell You

   An adverse action notice names the credit bureau whose report was used, and the FTC says it lets you get another free report to check for errors.

3. What Happens After You Dispute a Credit Report

   You sent the dispute. Here is what the bureau must do next, what the results look like, and what your options are if the item stays.

4. Disputing a Credit Report With the Creditor

   A mistake on a credit report can be taken straight to the company that supplied it. Here is what the law makes that company do.

5. Your Free Credit Report: What the Law Gives You

   A business owner's personal credit report can matter for funding. Here is where the real free reports come from and how often you can pull them.

6. What a Fraud Alert on a Credit Report Does

   A plain look at fraud alerts, how to ask for one, and what the law says an identity theft victim can also do.

7. What a Security Freeze on a Credit Report Does

   A freeze locks your credit report so lenders cannot pull it without your say so. Here is what the Fair Credit Reporting Act says it covers, and what it leaves alone.

8. How to dispute credit report errors yourself

   A step-by-step guide for business owners on disputing errors on a personal credit report yourself, at no cost, under the Fair Credit Reporting Act.

9. The Fair Credit Reporting Act, in Plain Words

   The law behind every credit report a lender pulls on you. What it demands of the bureaus, and the rights it hands you when the file is wrong.

10. An Account You Never Opened Is on Your Report

    A lender turned down your business application and the reason sends you to your own credit report. One account on it is not yours.