Free credit guides
Practical next steps you can keep. These guides are educational and do not replace legal or financial advice.
- Get your reports from AnnualCreditReport.com or an existing provider.
- Check names, addresses, balances, dates and account ownership.
- Identify a specific error and gather evidence. Accurate negative information is not automatically removable.
- Dispute with the bureau and information provider. Keep copies and delivery records.
- Review the investigation results, generally in 30 days, sometimes 45. If unresolved, consider a CFPB complaint.
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