![]() ![]() You will have to make the dispute in writing. If you find an error, you must dispute it with the credit reporting companies - Equifax, Experian and Transunion. With diligent monitoring of your credit report, you can catch mistakes early, and doing so can help alert you to other issues, including possible identity theft. If an item you dispute comes back as an error, this does not count as your free annual report. Call 1-87 with your name, address, date of birth, and social security number for verification. ![]() īy law, everyone can get a free credit report from each nationwide credit reporting agency every 12 months. Note that credit repair is not a strategy for removing legitimate negative items. If you have incorrect items due to identity theft or other inaccurate entries on your credit report, you can dispute these with the credit bureaus. Instead of turning to a company to repair your credit, you can take care of it yourself. If negative marks can’t be removed, they will remain on your credit report for seven years.
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