5 Simple Steps to Dispute Negative Items on Your Credit Report

Negative items on your credit report—like late payments, collections, or errors—can lower your score and limit financial opportunities. The good news: many negative items can be disputed and corrected.

• Step 1: Obtain Your Credit Reports

Request reports from TransUnion, Equifax, and Experian.

• Step 2: Review for Errors

Look for inaccuracies such as incorrect personal information, duplicated accounts, or outdated negative entries.

• Step 3: Gather Supporting Documentation

Collect bank statements, letters, or any proof that supports your dispute.

• Step 4: File Your Dispute

Submit disputes with each credit bureau, reporting the error. Include clear explanations and supporting documentation.

• Step 5: Follow Up

Credit bureaus have 30 days to investigate. Monitor your reports to ensure corrections are made.

Tip: Working with a professional credit specialist can simplify this process and increase the chances of success.