Did you know that even one inaccurate item on your credit report can keep you from getting approved for housing, jobs, or basic opportunities? The good news is that you have rights under the Fair Credit Reporting Act (FCRA).
If a closed account is still showing open, if a paid debt is marked past due, or if your information doesn’t match across Equifax, Experian, and TransUnion, that is enough to dispute. Each bureau must report the same, verified data, across all three. You have the right to request corrections by mail, provide your proof, and receive written results within 30–45 days. The bureaus are legally required to investigate and update or delete any unverifiable or inaccurate information.
This process doesn’t require a company, lawyer, or online form. All you have to do is just provide the documentation, be persistent, and ensure you’re aware of your rights.
If you’re facing housing barriers, homelessness, or reentry challenges, these corrections can open doors.
Download our step-by-step guide to start your dispute safely and effectively.
