Credit reports are meant to be an accurate depiction of your credit history. Mistakes happen – and so does fraud – so if something is wrong on your credit report, you need to fix it.
Watch the video to learn more about Making Credit Disputes, then test your knowledge at the end of the lesson.
What is the best way to format a credit report dispute letter?
A. Give a full, lengthy background of your credit history
B. Detail the issues found and provide the correct information
C. Only list your name, date of birth, and Social Security number
D. Do not send a letter – disputes do not need to be in writing
An example of an item you should dispute on your credit report includes:
A. Late payments you actually made on time
B. Outdated foreclosures or bankruptcies
C. Duplicate accounts or aliases that aren’t you
D. All of the above
If an error appears on all three credit bureau reports, just dispute it with one of them. That bureau will then tell the other two about your complaint.
A. True
B. False