You may have found inaccurate information on your credit reports. Credit bureaus are required by law to only report accurate information. However, it's up to the borrower to check if the reports are accurate.\r\nGet your free credit report\r\nRequest a copy of your credit report through AnnualCreditReport.com. If you find inaccurate information, you have the right to request changes. The credit bureau will contact the lender\/creditor and attempt to verify the accuracy of the records.\r\n\r\nBe wary of credit experts who promise to remove inaccurate and accurate information from your credit report for a fee. There are federal laws that govern what and how credit repair organizations can do.\r\nDispute the information online or through courier mail\r\nStart the dispute process online. Keep a log of the disputes you\u2019re making, the date and time, and any information you are supplying to support your claim.\r\na. Document each time you communicate (written or verbal) with a lender or collections agent. Note the name of the agent, date, time, and specifics of the conversations you\u2019re having. Maintain copies of these records.\r\nb. Often times your dispute may not result in your favor. Having documents supporting your claim can help you escalate your\u00a0dispute request. You're entitled to appeal the credit bureaus decision.\r\n\r\nWhere do you file the dispute online?\r\nWhen you get your credit report through AnnualCreditReport.com there are sections of the website dedicated disputing inaccurate credit information.\r\n\r\n \tExperian - Information and start a dispute investigation\u00a0click here.\r\n \tEquifax - Information and start a dispute\u00a0investigation\u00a0click here.\r\n \tTransUnion - Information and start a dispute investigation\u00a0click here.\r\n\r\nWhat happens when credit bureau suggests you contact the creditor or lender?\r\nAt times the credit bureau will verify the accuracy of the information on your credit report. If you disagree, the credit bureau may direct you to contact the creditor or lender directly. Document your conversations and request information for your records.\r\n\r\nIt takes time when fixing your credit report and removing inaccuracies. Be patient and communicate with your creditors and the credit bureau. Continue to provide documentation or any additional information that support your claim.