CreditDispute.com8 Types of Credit Report Disputes
Every credit report error has a different legal basis and a different strategy. Pick the category that matches your situation to get the right approach and a free dispute letter.
Inaccurate Payment History or Balance
The report shows late payments you never made, a wrong balance, or a wrong credit limit. You have proof — the bureau should correct it.
Read the guide & get your letterMixed or Merged Files
Someone else's accounts, addresses, or debts appear on your report because you share a similar name or Social Security number. This is not identity theft — the bureau simply confused two people.
Read the guide & get your letterIdentity Theft & Fraudulent Accounts
A thief opened new accounts in your name, took over existing accounts, or used your SSN to create a synthetic identity. The FCRA gives you a 4-business-day block right.
Read the guide & get your letterObsolete Information / Re-aging
Old negative items that should have aged off (7 years for most; 10 for bankruptcy) are still showing — or a collector reset the date to make a debt look newer. That's re-aging, and it's illegal.
Read the guide & get your letterBankruptcy Issues
Either a discharged debt is wrongly still reported as owed, or a bankruptcy is reported about you when you never filed.
Read the guide & get your letterDeceased Reporting
You are inaccurately reported as deceased — obviously wrong, but surprisingly common, and it blocks every account and application until corrected.
Read the guide & get your letterDuplicate Reporting of the Same Debt
The original creditor and a collection agency both report the same underlying debt, making it look like you owe it twice and inflating your apparent total debt.
Read the guide & get your letterInaccurate Collection Account
A collection account shows the wrong amount, wrong original creditor, wrong date, or a debt you don't owe at all. Collectors must report accurately.
Read the guide & get your letterReady to write your dispute letter?
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