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Dispute workflow

Dispute Starter

Fix factual errors and protect your history. These steps mirror the Fair Credit Reporting Act (FCRA) process—keep everything factual, organized, and well documented.

  • Standard bureau response window30 days
  • Proof to include2 docs+
  • Best practice for trackingCertified mail
  • Escalate if verified incorrectlyCFPB
DIY dispute flow
  1. 1. Gather your Experian, Equifax, and TransUnion reports and highlight the items you want to challenge.
  2. 2. Compare across bureaus—note which reports show the error and capture account numbers and dates.
  3. 3. Draft a factual dispute letter that explains the error, references supporting documents, and states the correction you want.
  4. 4. Send the dispute to the bureau (and furnisher, if needed) via certified mail or the bureau portal; keep copies of everything.
  5. 5. Track responses. Bureaus generally have 30 days to investigate and update or verify the entry.
Evidence pack
  • •Government-issued ID
  • •Proof of address (utility bill, lease, bank statement)
  • •Statements or letters showing the correct balance or payment date
  • •Police report or FTC Identity Theft Report (for fraud)
  • •Copies of prior correspondence with the creditor or collector

Only send copies—keep originals in a safe place.

Timeline & outcomes
  • Investigation window
    Bureaus typically respond within 30 days (45 if you submit new information).
  • Results you may see
Deleted

The furnisher could not verify the information. The bureau removes the entry.

Corrected

Information is updated to match your documentation.

Verified

The furnisher claims the data is accurate. You may escalate or add a consumer statement.

If you disagree with a verified result, you can escalate with the furnisher or CFPB, or add a 100-word consumer statement.

Decision tree
Is the item accurate?
If yes, do not dispute. If no, move to the next step.
Is it fraudulent or mistaken?
Gather supporting documents (identity theft report, statements) before submitting.
Did the bureau fix it?
If yes, monitor your reports. If verified incorrectly, escalate or seek legal guidance.