Dispute Your Credit

Dispute All 3 National Credit Bureaus
(Equifax, Experian, TransUnion)

Dispute All 3 National Credit Bureaus

Successfully Disputed Items Are Erased

Dispute Bogus Creditor Claims Directly

Exercise Your Rights Under the FCRA


How a Dispute Service Can Help

A dispute service can help you dispute inaccurate, incomplete, outdated and unverifiable items with all three national credit bureaus. (Equifax, Experian and TransUnion)

In addition, a dispute service will work with the creditors responsible for the negative items directly, on your behalf, in an effort to have the items removed from your credit.


What items can be disputed?

It is important to understand that legitimate items cannot be removed. However, it is fairly common for items to be incomplete, inaccurate, outdated or unable to be verified. While individual results vary, and some items are more commonly resolved than others, the following types of negative items have been resolved by our partners in the past when they are incorrect, inaccurate, incomplete, unverified or outdated.

  • Late Payments
  • Collections
  • Foreclosures
  • Inaccuracies
  • Unverified
  • Inquiries
  • Charge Offs
  • Judgments
  • Incomplete
  • Outdated

Call to walk through a free credit review with a live agent, and address any questions or concerns you may have.


What to Expect

Most dispute services will walk you through a risk-free credit summary, which involves reviewing your credit report and identifying negative items that may be disputable in order to see if you are a good candidate for the credit dispute services they offer. Based on your individual credit situation, the agent will recommend a course of action. If you accept, the dispute service (also known as a credit dispute company) will begin to dispute items on your behalf with the three major credit bureuas and the creditors responsible for the negative items.

The amount of time the process takes from beginning to end will vary based on the number of items being contested and the processes of the dispute service being used. The amount credit dispute companies charge varies, but most charge between $69 and $129 per month, depending on the service level.



Start working towards the credit score you want. There's no magic bullet for disputing credit. It takes time and accountability. Making on-time payments and keeping revolving balances low can help improve your score.

If your credit report has questionable items on it, you may benefit from disputing those items.