1. Pull all three reports for free
Go to AnnualCreditReport.com, the official site set up under federal law. You can get your Equifax, Experian and TransUnion reports there for free.
Download all three. They are often different, and an error on one is not always on the others.
2. Mark what is wrong
Look for accounts you don't recognize, wrong balances, late payments you didn't make, duplicate collections and old debts past the reporting period (most negative items can stay up to 7 years).
Our free credit dashboard reads your report and lists the items worth disputing so you don't have to go line by line.
3. Dispute each error in writing
Send one letter per bureau that names each item, says why it is wrong, and includes copies of proof. Certified mail gives you a delivery record.
The bureau generally has 30 days to investigate and must remove or correct anything it can't verify.
4. Build positive history while you wait
Pay every bill on time and keep card balances low compared to your limits. These two habits make up the biggest part of most scoring models.
Ready to do it?
Questions
Can accurate negative items be removed?+
Not by disputing them. The law lets you challenge information that is inaccurate, incomplete or unverifiable. Anyone who promises to remove accurate items is not being honest with you.
Do I have to pay a company to fix my credit?+
No. Everything a credit repair company does, you can do yourself for free. Our dashboard and letters are free; certified mailing is optional.
How long does it take?+
Bureaus generally answer within 30 days of receiving a dispute. Building new positive history takes months of on-time payments.
We cannot remove accurate, timely information, and no specific score change is promised. You have the right to dispute inaccurate information with the credit bureaus yourself, for free.