DISPUTES
Clean errors off your credit file
File disputes, track the 30-day investigation, push back on collectors, and freeze the file if something looks stolen.
Coverage built into the workflow
Reporting accuracy, collections, and identity — three tracks, one process.
Reporting accuracy
Dispute anything inaccurate, incomplete, or unverifiable on Equifax, Experian, or TransUnion — then track the investigation to closeout.
Collections control
Demand validation, stop harassment, and keep collector contact inside the rules while you work the file.
Identity lock
Fraud alerts, freezes, and bureau notifications when an account or inquiry doesn't belong to you.
Dispute workflow
Four steps from spotting the error to a written result on the file.
Identify the error
Pinpoint the specific inaccurate item on your report and gather supporting documentation.
File the dispute
Submit a dispute to the relevant bureau (and often the furnisher directly), describing the error clearly.
Investigation window
The bureau has 30 days to investigate. Track the window and keep copies of everything you sent.
Resolution & results
You receive written results; corrected items are updated, and you can request the outcome be sent to recent report recipients.
Workstreams
Filter by reporting, collections, or identity.
Furnisher responsibilities
Lenders and servicers that feed the bureaus have to report accurately and investigate when you dispute.
Report accuracy
Dispute anything inaccurate, incomplete, or unverifiable — not just items you dislike.
Collector conduct limits
Collectors can't harass, lie, or contact you outside the allowed windows. Log every call.
Debt validation
Ask for written validation before you pay. No validation, no payment.
Identity-theft considerations
Place a fraud alert or freeze the file the moment an account or inquiry looks stolen.
Reporting fraud
Report identity theft to the bureaus and lock the file so new accounts can't open in your name.
What to keep on file
Build a packet before you submit. These five items close most disputes faster.
- Copies of the credit report showing the disputed item, with the date pulled.
- Account statements, payment confirmations, or correspondence that support your position.
- A written record of the dispute you submitted, including date and method.
- Any written response received from the bureau or furnisher, including reference numbers.
- A simple log or spreadsheet tracking dates, contacts, and next steps.