Items on your credit report can stick around and cause problems for many years. If information on your credit report is inaccurate, you can file a protest and have it removed. According to the U.S. Fair Credit Reporting Act, any false or inaccurate information must be corrected or removed within 30 days. If a creditor does not respond to the challenge within that time frame, it is removed as well.
Instructions
- 1
Obtain a current copy of your credit report on the Internet or by submitting the request in writing. According to federal law, consumers can obtain a free copy of their credit report once each year.
2Review all of the entries on your credit report and make notes about any false or inaccurate items.
3Create a login online with each credit reporting agency and use the electronic dispute system to log general protests against any entry on the report. Alternatively, write a dispute letter to the credit reporting agency explaining the inaccuracies and send it to them via regular postal mail.
4Repeat the electronic or written dispute process for each credit agency that lists inaccurate information on your credit report.
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