How do I get a mistake removed from my credit report?

Concerns & risks

You pulled your credit report and found an account you never had, or a late payment you know you paid on time. It's dragging your score down, and it's not even yours.

Errors can raise your loan rates or get applications denied.

Causes & evidence

You can dispute inaccurate information with both the credit bureau and the company that reported it. See credit score basics.

What to do

1. Pull your report and circle the error.
2. Gather proof (bank statements, payment confirmations).
3. File a dispute online with the bureau showing the error.
4. Also write to the lender that reported it.

Common mistakes: Common mistakes: disputing by phone with no record, or sending a dispute without proof. File the dispute with each credit bureau that shows the error and include copies (not originals) of supporting documents like statements or payment confirmations. Also contact the company that reported the info. Keep a log of dates and confirmation numbers. Be wary of credit repair companies that promise to remove accurate negative info; they can't legally do that, and you can dispute errors yourself for free.

Speed Man tip: Bureaus generally must investigate within about 30 days. If it's not fixed, complain to the CFPB.

Wrap-up: Dispute with the bureau and the lender. Attach proof. Escalate to the CFPB if needed.