Review one section at a time
Record the bureau and report date. Check identity information first, then each account, collection item, inquiry, and public-record section. A credit report is not the same as a credit score.
Compare facts with your records
Look for accounts you do not recognize, duplicate entries, wrong ownership, incorrect balances, impossible dates, payment-history errors, outdated information, or a status that conflicts with statements or settlement records. A negative item is not automatically inaccurate merely because it is harmful.
Document specific errors
For each suspected error, write the exact field, what appears, what you believe is correct, and which document supports that position. Keep the original report unchanged and work from a copy.
Official source
Key law references
- Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.
Educational Use Only
This article explains rights in plain language and is not legal advice for your specific situation. State laws vary; confirm current rules with official sources or a qualified attorney in your jurisdiction.