One mistake on your report can cost you a loan, a job, or a home.
Mixed files, accounts that aren't yours, wrong balances. We help you find what's wrong, organize your documentation, and understand your next step.
- ✓Free case review, no obligation
- ✓A personal expert reviews your file
- ✓Your information stays private
Request your free case review
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Request received
Thank you for contacting Credit Dispute. We have received your submission, and your inquiry is currently under review by our team.
Please keep an eye on your email for a confirmation with your case reference.
A member of our team will be in touch with you shortly to provide further updates. In the meantime, if you have any questions, please feel free to contact us at (888) 868-1432
Credit Dispute Team
Thank You!
What a correction can look like
Sample report review
ExampleSigns your credit report may be wrong
Reporting mistakes rarely announce themselves. These are the patterns we see most.
Denied a loan or rental
You were turned down, but your finances don't add up to that.
Higher rates than expected
Offers keep coming back worse than your history suggests.
Accounts you don't recognize
Unfamiliar tradelines or inquiries appear on your file.
Paid debts still showing
Balances you cleared are reported as outstanding.
Old items that won't go
Negative marks linger, or reappear after removal.
Wrong personal details
Mixed files, or a deceased notation on a living person.
The errors behind most denials
Every file is different. We start by looking closely at yours.
Start a free reviewMixed credit reports
Another person's history merged into yours.
Deceased notation
Flagged as deceased when you're very much not.
Inaccurate or duplicate accounts
Wrong status, wrong balance, or the same account twice.
Outdated or reinserted items
Negative items past their reporting window, or back after removal.
What we do, and what we don't
We're a consumer advocacy service, not a law firm. Here's how we help.
We help you
- ✓Review your reports for potential errors
- ✓Help you gather and organize supporting documents
- ✓Guide you through each step
- ✓If you choose, help you get in touch with an attorney
We don't
- –Give legal advice
- –Charge you for our consultation
- –Promise a specific outcome
- –Act on your behalf or represent you
Three simple steps, free to start
Place a request
Tell us what happened and meet your personal expert.
Work with an expert
They look over your situation and help you gather documentation.
Decide your next step
The choice is yours. If you choose, we can help you get in touch with an attorney, with your consent.
What happens next, and what helps
No paperwork needed to begin. Anything you can share just makes the first review faster.
What happens next
- ✓You get a confirmation email with your case ID
- ✓A personal expert is assigned to your file
- ✓They review what you shared and flag potential errors
- ✓You decide whether to take the next step
Helpful to have, if you can
- ✓A credit report showing what looks wrong
- ✓A denial or adverse action letter
- ✓Any collection or account notice you received
- ✓Your own notes on what you noticed
Don't have any of this? Request a review anyway. Your expert will help you figure out what to gather.
Federal consumer protection laws
Federal consumer protection laws provide for accurate credit reporting and a way to dispute mistakes. This is general information, not legal advice.
Gives you the right to accurate credit reports and to dispute errors.
Strengthens identity theft protections and access to your free credit reports.
Helps you dispute billing errors on credit card accounts.
Protects you from unauthorized or incorrect electronic transfers.
Limits how debt collectors can contact and treat you.
Good to know
Is the case review really free?+
Yes. The case review is free, with no obligation.
Will checking my report hurt my score?+
Reviewing your own report doesn't lower your score.
Are you a law firm?+
No. We're a consumer advocacy service, not a law firm. We don't provide legal advice and we don't act on your behalf. If you choose and consent, we can help you get in touch with an attorney.
How long does it take?+
It depends on your file. Your expert will give you a realistic picture after the first review.
Ready to find out what's on your report?
Tell us what happened, and an advocate will review your situation and explain your next steps.