An Account Is Not Yours
An unfamiliar account or another person’s information appears in your file.
Credit Reporting
An Error on Your Report? Put the Record Together.
An inaccurate account, mixed file, or unresolved dispute can affect important decisions. Start by identifying the report, the error, and what happened after you disputed it.
- Your next step before contact details
- One question at a time
- “Not sure” is always an option
Your answers stay in this page. Switching languages carries them to the matching page. Nothing is submitted.
Let’s Check Your Options
Eight questions to organize your next step. No contact details needed.
General information, not legal advice. This check does not determine eligibility, rule out a claim, calculate a deadline, file a complaint, or create an attorney-client relationship.
Does This Sound Familiar?
These situations may call for a closer look. The facts, documents, and applicable law matter.
An Error Remains
A balance, status, or payment history still looks wrong after a dispute.
A Decision Was Affected
Keep any credit, employment, or housing decision notice that identifies a consumer report.
Tell Us What Happened
Answer eight questions without giving your name, email, or phone number.
See Your Next Step
Get a preparation list and any issues that need prompt attention. An uncertain answer does not end the check.
Discuss the Details
An attorney can review the records, deadlines, options, and fees before you decide whether to proceed.
What a Review May Clarify
The appropriate path depends on your circumstances. No outcome is promised.
The Dispute History
A review can identify the reporting company, information provider, disputed items, and investigation response.
Correction and Other Options
Depending on the facts and applicable law, the review may address corrections or other remedies. No credit-score increase or deletion is guaranteed.
Questions You May Have
How long does an investigation take?
A credit reporting company generally has 30 days to investigate a dispute, with some situations allowing 45 days. Receipt dates, added information, and the type of dispute matter. Timing alone does not establish a legal claim.
Should I keep older versions of the report?
Yes. Keep the report before and after the dispute, what you sent, proof of delivery, and every response.
Attorney advertising. No result or representation is guaranteed. Using this page does not preserve a deadline.
General information, not legal advice. This check does not determine eligibility, rule out a claim, calculate a deadline, file a complaint, or create an attorney-client relationship.