If you found an error on your credit report, don’t panic — but don’t ignore it either.
Here’s what to do next.
Step 1: Identify the Error
Common issues:
- Not your account
- Wrong balance
- Duplicate accounts
- Paid debt reporting unpaid
- Account not marked disputed
- Debt too old to report
Be specific.
Step 2: Dispute With the Credit Bureaus
File disputes directly with:
- Experian
- Equifax
- TransUnion
Include:
- Clear explanation
- Supporting documentation
- Copy of ID if required
They have 30 days to investigate.
Step 3: Review the Results Carefully
Did they:
- Delete it?
- Correct it?
- Leave it unchanged?
If it remains and you believe it’s inaccurate, further review may be necessary.
Step 4: Do Not Repeatedly Submit Identical Disputes
Frivolous or repetitive disputes may be rejected.
If you re-dispute, provide new information.
Step 5: Know When to Escalate
If:
- The investigation appears superficial
- The reporting is clearly inaccurate
- You suffered credit harm
- The furnisher ignored obvious documentation
You may have rights under federal law.
Why Acting Matters
Credit reporting impacts:
- Mortgage approval
- Car loans
- Employment screening
- Rental applications
- Business financing
Errors that go unchallenged can cost thousands.
The Bottom Line
Not every error becomes a lawsuit.
But inaccurate reporting after a proper dispute may create legal rights.
The key is acting strategically and preserving documentation.
