If you believe a creditor or collector is reporting inaccurate information, documentation is critical.
Many strong cases fail because evidence wasn’t preserved.
Here’s what to do.
1. Save Copies of All Credit Reports
Download or screenshot:
- All three bureaus
- Before and after disputes
- Date-stamped versions
Preserve exactly how the account appeared.
2. Keep Every Dispute Submission
Save:
- Confirmation numbers
- Emails
- Certified mail receipts
- Copies of letters
- Upload confirmations
You must prove the dispute occurred.
3. Preserve Investigation Results
Credit bureaus must send results of investigation.
Keep:
- Response letters
- Updated reports
- Any explanation of findings
4. Document Damages
Potential damages may include:
- Denied mortgage
- Higher interest rates
- Lost rental opportunity
- Emotional distress
- Increased insurance premiums
Keep:
- Denial letters
- Loan estimates
- Correspondence
5. Do Not Delete Harassing Messages
If the same party is also collecting improperly:
- Save voicemails
- Save texts
- Screenshot emails
This may create overlapping FDCPA claims.
6. Keep a Timeline
Write down:
- When you discovered the error
- When you disputed
- When responses were received
- Any continued reporting
Timeline clarity strengthens credibility.
Why Evidence Matters
Under the FCRA, liability often turns on:
- Whether the furnisher received notice from the bureau
- Whether the investigation was reasonable
- Whether the reporting was inaccurate
- Whether damages resulted
Documentation makes or breaks these cases.
