Disputes & Errors

Wrong balances/limits, not‑mine accounts, duplicate tradelines, misreported late payments, or identity theft items.

Mail provides a paper trail; online is faster. Either way, attach clear evidence and keep copies and dates.

Bureaus typically have ~30 days to investigate (45 if you send additional info).

Escalate with stronger proof, dispute directly with the furnisher, or add a short consumer statement while it’s fixed.

Negotiation with a collector to remove their tradeline after payment. Get written terms before paying; policies vary by agency.

For one‑off lates with otherwise good history, ask the lender to remove the late as a courtesy. Results vary, but a polite, factual letter helps.

You can do everything yourself using our dispute builder. If you hire help, avoid anyone promising certain deletions or “sweeps.”