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How Credit Disputes Work?

First thing is to make sure everything on your credit report is right. If you see something wrong make sure you advise us.

By law, the creditor must prove the accuracy of what you are disputing within 30 days. If they don't, it simply is removed from your Credit Report. If you have evidence that something is wrong, then we will submit the evidence and they will have to remove the inaccurate data within 30 days or prove that it's inaccurate.

Even if you don't remember if it's 100% accurate, we can dispute it anyway since the creditor will have to prove that the information is accurate. Many times they can't do this since they might have lost the records, don't have time to deal with it, etc. A good time to dispute is around any holidays, where the vendor may not have the time to respond since they are busy with selling new items and not worried about debts from many years ago.



Equifax Credit Monitoring Service