Credit Report Errors

One credit report mistake could cost you a home, car, or loan.

You have rights under the Fair Credit Reporting Act and we help you enforce them. If the credit bureaus won’t fix an error on your credit report, let’s make them pay.

Common Credit Report Errors

Accounts that don’t belong to you

Yellow folder with a red question mark on it.

Wrong balances (e.g. past due)

Red circular stamp with the words 'Happy Holidays' around the top and bottom, and 'Expired' stamped across the center.

Wrong account status (e.g. delinquent)

Warning sign with a black exclamation mark inside a yellow triangle.

Late payments that were actually on time

Calendar icon with a red exclamation mark in a speech bubble

Duplicate accounts

An illustration of a stack of two white papers with lines and a folded corner on the top sheet.

Mixed Identities

A digital illustration of a DNA double helix with red and blue strands and yellow base pairs, surrounded by red and blue circular particles.

Your Rights under the FCRA

A judge's gavel rests on a white table in a courtroom, with two people sitting across from each other in the background, one taking notes.

  • You have the right to dispute any information that is on your credit report.

  • Credit bureaus must remove or correct any inaccurate information.

  • The credit bureau and creditor must timely investigate your dispute to ensure maximum possible accuracy.

  • If a disputed error is not corrected, you have the right to sue the credit bureaus and creditors reporting the inaccuracy.

How to enforce your FCRA Rights

Access your credit reports from all three major credit bureaus.

Number one inside a white circle on a black background.

Carefully review and identify any errors on your credit reports.

Number two inside a white circle on a black background.

Dispute the errors with the credit bureaus, preferably by mail.

Number three on a white circular background

In 30 days, check your report to confirm the errors are fixed.

You have the right to file an FCRA lawsuit if the errors are not fixed after the “dispute” period.

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Don’t do it alone! Get support from an experienced FCRA attorney by filling out the below form.