CREDIT REFINED

How credit disputes work

We review your credit reports with you to identify information you believe is inaccurate or incomplete. Supporting documents help explain what is wrong and what should be corrected.

Disputes are submitted to the credit bureaus or the company reporting the information for investigation. They review the issue and provide a result. Errors may be corrected or removed; information verified as accurate may remain.

Disputes do not erase debt. Removal and score increases are not guaranteed. You can also dispute errors yourself for free.

Items that may be disputed

We can help you review these items when the reporting is inaccurate, incomplete, duplicated, or does not belong to you:

• Charge-offsincorrect balances, dates, or account status.
• Medical collectionsinaccurate amounts, payment status, or account ownership.
• Repossessionserrors in the reported status, balance, or dates.
• Student loan accountsincorrect payment history, balances, or loan status.
• Late paymentspayments incorrectly reported as late.
• Collection accountsincorrect details or duplicate reporting of the same debt.
• Unauthorized credit inquiriesinquiries you believe were made without a permissible purpose.
• Accounts that are not yoursidentity theft or another person’s information on your report.
• Personal information errorsincorrect names, addresses, or other identifying details.

A dispute requests an investigation; it does not guarantee removal. Accurate, current negative information may remain on your report.

What to have ready

• A clear copy of your valid government-issued photo ID.
• A recent utility or other bill showing your name and current address, matching the address used for your file.
• Your current credit reports and any documents supporting the errors you want to dispute.