You have the right to a clean, accurate credit report.
Under the Fair Credit Reporting Act, credit bureaus must investigate any item you dispute. Werkwallet walks you through the process, step by step — no lawyer, no fees.
Six items to look for on every report.
Wrong name, address, SSN, or employer entries.
Tradelines opened due to identity theft or mixed files.
Reported balance or credit limit does not match statements.
The same debt listed twice, often after a sale to a collector.
Late payments older than 7 years, bankruptcies older than 10.
Paid accounts still reported as past due or in collection.
How to file a dispute.
Get free reports from Equifax, Experian, and TransUnion via annualcreditreport.com.
Mark items that are incorrect, incomplete, or unverifiable.
Use the FCRA-referenced template below. Include supporting docs.
Certified with return receipt to each bureau reporting the item.
Bureaus must investigate and respond, per the Fair Credit Reporting Act.
Pull an updated report and confirm the item was removed or fixed.
FCRA-referenced letter you can adapt.
[Your Name] [Your Address] [City, State ZIP] [Date] [Bureau Name] [Bureau Address] Re: Dispute of Inaccurate Information To Whom It May Concern: I am writing to dispute the following information in my credit file. The item(s) listed below are inaccurate or incomplete, and I request that they be investigated and removed or corrected under Section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i). Disputed item(s): - Creditor / Account: [___] - Account Number: [___] - Reason for dispute: [___] Enclosed are copies of supporting documents. Please investigate this matter and delete or correct the disputed information within the 30-day timeframe required by the FCRA. Sincerely, [Your signature] [Your printed name]