Fix errors on your credit report the right way. Create a professional, FCRA-compliant dispute letter to Equifax, Experian, or TransUnion in under 5 minutes — completely free.
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Disputing an error under the Fair Credit Reporting Act is simpler than you think.
Get your free credit reports from all three bureaus at AnnualCreditReport.com and circle anything that looks wrong.
Use our generator to create a letter that cites your FCRA rights and clearly identifies the error. Download it as a PDF.
Mail it (certified mail recommended). The bureau must investigate within ~30 days and correct or delete unverified items.
The Fair Credit Reporting Act (FCRA) is a federal law, enacted in 1970 and enforced by the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC), that governs how consumer reporting agencies collect, use, and share your credit information. It exists to make sure the data in your credit file is accurate, fair, and private.
One of the most powerful rights the FCRA gives you is the right to dispute information you believe is inaccurate or incomplete. Under Section 611 (15 U.S.C. § 1681i), when you notify a credit bureau of an error, the bureau is legally required to conduct a reasonable investigation — usually within 30 days — by contacting the company that supplied the information (the "furnisher"). If the item cannot be verified, it must be deleted from your report.
The FCRA also entitles you to a free copy of your credit report each year from each of the three nationwide bureaus, the right to know who has accessed your file, and the right to have outdated negative information (typically older than seven years) removed. These protections apply whether the error is a simple typo or a damaging account that does not belong to you at all.
Because credit reports influence loan approvals, interest rates, apartment applications, and even some job offers, even a small inaccuracy can cost you real money. Exercising your FCRA dispute rights is free, and you never need to pay a credit-repair company to do something the law lets you do yourself.
If any of these appear on your report and aren't correct, you have the right to dispute them:
Step-by-step help for the errors people dispute most.
Paid on time but reported 30/60/90 days late? Here's how to fix it.
Dispute a wrong, duplicate, or unverifiable collection.
Identity theft or a mixed file? Get it blocked or removed.
Remove a credit inquiry you never authorized.