Errors on your credit reports or fraud caused by identity theft can make borrowing more expensive or prevent you from getting credit. You do not have to pay a company to dispute errors for you. You have a legal right to dispute errors yourself for free.
Review your credit reports and identify which errors need to be corrected.
Gather the proof to show the error on the credit reports. Be sure to be specific as you can.
Contact the credit reporting agencies and vendors or creditors who reported and caused the inaccuracies.
The company generally has 30 calendar days to investigate your dispute. After the investigation is complete, the credit reporting company should send you the results within 5 business days.