Dispute Strategies

Learn the common errors on collection accounts and how to dispute them through both doors, the collector and the credit bureaus, in writing.

Learn how to check every field on a charge-off, match your proof to the field that is wrong, and dispute narrowly with the bureaus and the creditor.

Learn how to tell an accurate late from an error, find the exact field that is wrong, match proof to the month, and write a short, specific dispute.

Learn to tell authorized hard inquiries from unauthorized ones, research names you don't recognize, and dispute only the inquiries you never authorized.

Learn how to find the exact field that is wrong on a repossession, back it up with the lender's own papers, and send the dispute to the right place.

Learn the bureaus' medical collection reporting policies, common medical billing errors, the proof each one needs, and when to leave an accurate bill alone.

Learn how private student loans are reported, five repeat errors to watch for, which document proves each one, and where to send the dispute.

Learn how federal student loans move between servicers and collections, where handoff errors hide, and how to dispute only the lines that don't match your records.

Learn how a bankruptcy shows up in two layers on a credit report, which errors to check in each, how to prove them with the court file, and where to send disputes.

Learn where the personal information on your report comes from, which fields to dispute or leave alone, the proof for each, and why you fix the source too.