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Mortgage Answers / Credit & Income
How Do I Dispute Errors on My Credit Report?
A static educational action plan. Read the case that fits your question.
Start here
The Short Answer
Identify the exact error, gather records and contact the credit reporting company and the company that supplied the information. Explain what is wrong and keep copies. Dispute real mistakes, not accurate debts. Tell your mortgage lender about unresolved disputes.
I found a specific error
Prepare a clear, supported dispute.
1. Mark the exact item and explain the correction requested.
2. Send copies of supporting documents through official dispute channels.
3. Keep submission records and review the investigation result.
I do not recognize an account
Check for a mistake or possible identity theft.
1. Compare all three reports and your records.
2. Use official identity-theft recovery help if fraud is suspected.
3. Do not send report numbers, Social Security numbers or documents to WWBT.
My mortgage is already in progress
Coordinate the correction and loan review.
1. Tell the lender which item is disputed and why.
2. Keep evidence and investigation results available.
3. Ask how an open dispute affects the program; do not remove an honest dispute merely to hide a problem.
Frequently Asked Questions
Do I have to pay to dispute an error?
No. You can use the reporting company's and information provider's free dispute process.
Will a dispute guarantee removal or approval?
No. An investigation may confirm the information, and unresolved disputes can affect mortgage review, including FHA.