What to Do If a Creditor Says It Corrected a Report but It Has Not Changed

Ask the creditor when it sent the correction and to which bureaus. Reporting and bureau processing can take time.

Ask the creditor when it sent the correction and to which bureaus. Reporting and bureau processing can take time.

Practical next step

Save the written correction, compare each report's updated date, and submit the evidence to the bureau still showing the error.

Verify the result

Keep the original report or statement, your supporting records, and any response. Compare the same account and dates after the next update. Accurate information generally cannot be removed just because it affects a score.

Further reading and tools

Official guidance: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ Safesky resource: https://disputes.safeskyconsulting.com/

This article is general information, not legal or financial advice. Results vary by credit profile.