A credit report is a detailed record of your credit history, including your payment history, debts, and other financial information. It is used by lenders to assess your creditworthiness when you apply for a loan or other form of credit. If your credit report contains inaccurate or outdated information, it can negatively impact your credit score and make it more difficult to qualify for loans or other forms of credit.
If you believe that your credit report contains inaccurate or outdated information, you can dispute the errors with the credit that issued the report. The credit is required to investigate your dispute and correct any inaccurate or outdated information within 30 days. You can dispute errors on your credit report online, by mail, or by phone. Filing a dispute with the credit bureau is free of charge. However, you may have to pay a fee to obtain a copy of your credit report.