Bizrate. Saving Dollars & Sense. TaxACT Online. The Mötley Fool. Experian. Dispute credit reports. You want to repair your own credit but aren't sure where to begin. Use the step-by-step credit report dispute procedures below to begin repairing your own credit. Step 1: Obtain Current Credit ReportsStep 2: Review Personal Information Step 3: Rank Order Questionable Items Step 4: Initial Dispute to Correct Information Step 4a: Understanding the Credit Reporting Agency’s Legal Obligations Step 4b: Follow Up Dispute Letter Step 5: Notice of Intent to File a Formal Complaint with FTC Step 6: Repeat Dispute Until All Information is Corrected Initial steps for disputing credit reports: Step 1: Obtain copies of current credit reports Credit bureaus require you to have a recent report (less than 90 days old) before they will consider your dispute!
The good news is that you only need to purchase the first report because after dispute an item and it's corrected, the credit bureau is required by law to send you a brand new credit report free. Up Step 2: Review Personal Information CAUTION! 1. Debt n Credit.