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Know Your Options. Use Reliable Sources.
You can review your credit information and dispute inaccurate information directly. Paid monitoring and educational resources are optional.
Review Your Reports
Free weekly reports from the three major credit reporting companies are available through AnnualCreditReport.com. Free reports do not necessarily include scores.
Question Inaccurate Information
You can dispute information you believe is inaccurate with the credit reporting company and the company that supplied it. Keep copies of your explanation and supporting records.
Read the CFPB’s dispute instructions ↗
Understand the Limits
Accurate negative information generally cannot be removed simply because it is unfavorable. Be cautious of anyone who guarantees account deletion or a specific score increase.
Report Identity Theft
IdentityTheft.gov provides official steps for reporting and recovering from identity theft.