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The 5-Step Credit Dispute Checklist
Your simple, no-overwhelm roadmap to challenging inaccurate items on your credit report — the same first steps we walk every client through.
1
Pull all three reports
You have three files — and they often don't match.
- Get your free reports from AnnualCreditReport.com (the only federally authorized source).
- Download Equifax, Experian, and TransUnion — all three.
- Save or print each so you can mark them up.
2
Review line-by-line & flag errors
Look for anything inaccurate, outdated, or unverifiable.
- Wrong personal info (name, address, employers).
- Accounts you don't recognize (possible fraud).
- Wrong balances, dates, or "late" marks you paid on time.
- Duplicate accounts or debts past the reporting limit.
3
Gather your proof
Evidence makes a dispute hard to ignore.
- Statements, payment confirmations, or letters that show the correct info.
- For fraud: file an FTC report at IdentityTheft.gov.
- A copy of your ID and a proof of address.
4
Write & send your dispute
Be clear, factual, and on the record.
- State the item, why it's wrong, and what you want fixed or removed.
- Include copies (never originals) of your proof.
- Send by certified mail with return receipt — keep proof of the date.
5
Track the clock & escalate
The bureaus generally have 30 days to investigate.
- Mark your calendar 30 days from the date they received it.
- Review their response — keep everything in a folder.
- If wrongly "verified," request the Method of Verification or escalate to the CFPB.
Want this handled for you?
If reviewing reports and writing letters feels like a lot, that's exactly what we do. Book a free, no-obligation consultation and we'll build your plan.
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© 2026 JPMS Credit Solution. Educational material only — not legal advice. You always have the right to dispute inaccurate information yourself at no cost. Results vary by individual circumstances.