A direct dispute tells the company that supplied credit-report information exactly what it reported incorrectly. It should be factual and supported by
A direct dispute tells the company that supplied credit-report information exactly what it reported incorrectly. It should be factual and supported by account records.
Check the facts
Identify yourself and the account, state the bureau and disputed field, give the correct fact, and include relevant copies. Use the company's designated dispute address or channel and keep proof of submission.
Next steps
Also dispute with each bureau showing the error when appropriate. Verify the final report rather than relying solely on a customer-service promise.
Resources
Safesky resource: https://disputes.safeskyconsulting.com/ Official guidance: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
Start with Safesky's free guide
Download the DIY credit repair A-to-Z PDF to organize your next steps.
This article is general information, not legal or financial advice. Results vary by credit profile.
