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Includes guidance from the Consumer Finance Protection Bureau explaining that materials are educational only, and provides dispute steps to contact credit bureaus and creditors, include supporting copies, and send letters via certified mail with required identifiers.",{"@graph":63,"@context":110},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/credit-report-review-checklist-disputing-incorrect-information/278320/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/credit-report-review-checklist-disputing-incorrect-information/278320.png","ImageObject",442,249,{"name":88,"@type":89},"Eden","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-11-04","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":25},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104],{"name":105,"@type":106,"acceptedAnswer":107},"What should be included when disputing information by mail?","Question",{"text":108,"@type":109},"Include your complete name, address, and telephone number, any report confirmation number you have, and the account number(s) for items being disputed. Send supporting documents as copies (not originals) and mail via certified mail with return receipt requested to keep proof of receipt.","Answer","https://schema.org",{"og:url":78,"og:type":112,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":114,"canonical":78},"index,follow",{"doc_id":116,"site_id":56},278320,1790729421,{"code":4,"msg":5,"data":119},{"doc_id":116,"user_id":120,"nickname":88,"user_avatar":121,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":122,"file_id":123,"file_url":124,"file_type":125,"file_size":126,"view_count":25,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":127,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":128,"faqs":129,"seo_title":130,"seo_description":61,"update_tm":131,"read_time":9},1374391974468,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Check your credit report for free [at](at www.annualcreditreport.com)[ ](at www.annualcreditreport.com)[www.annualcreditreport.com](at www.annualcreditreport.com).  \n\n| CHECKLIST ITEM | YES | NO |\n| --- | --- | --- |\n| Is your name correct? |  |  |\n| Is your Social Security number correct? |  |  |\n| Is your current address and phone number correct? |  |  |\n| Are the previous addresses they have listed for you correct? |  |  |\n| Is your marital status listed correctly? |  |  |\n| Is the employment history they have listed for you accurate? |  |  |\n| Is everything listed in the personal information section correct? |  |  |\n| Is there anything listed in the public record information? Is it correct? Highlight the information you think may not be correct. |  |  |\n| Review each item under the credit account (trade account) section. Are the accounts on the list still open? |  |  |\n\n\n| CHECKLIST ITEM |  | YES | NO |\n| --- | --- | --- | --- |\n| Are all of the current balances correct? |  |  |  |\n| Are accounts where you are an authorized user or joint owner listed? |  |  |  |\n| Are zero balances recorded for debts discharged in bankruptcy? For debts paid in full? |  |  |  |\n| Are you listed as a co-signer on a loan? Is this correct? |  |  |  |\n| Are accounts that you closed\u003Cbr>| |  |  |\n| Is negative information reported on each credit account correct? Look for late payments and missed payments. Highlight those items you think are not correct. |  |  |  |\n| Are any accounts listed more than once? Check to make sure the same account is not listed multiple times in the collections section. |  |  |  |\n| Is old negative information still being reported? If yes, highlight the information that has exceeded the negative information reporting limit, which is usually seven years. |  |  |  |\n| Do you suspect that you have been the victim of identity theft after reviewing your credit reports? |  |  |  |\n\nInformation provided by the Consumer Finance Protection Bureau (CFPB) for educational and information purposes only. It is not a replacement for the guidance or advice of an accountant, certified financial advisor, or otherwise qualified professional. The CFPB is not responsible for the advice or actions of the individuals or entities from which you received the CFPB educational materials.  \nDISPUTING INCORRECT INFORMATION  \nIf you find incorrect information on your credit report, you should dispute it. You may contact both the credit reporting company and the creditor or institution that provided the information. You may file your dispute online at each credit re website. If you file a dispute by mail, your dispute letter should include: Your complete name, address, and telephone number ; your report confirmation number (if you have one); and the account number for any account you may be disputing.  \nIn your letter, clearly identify each mistake, state the facts, explain why you are disputing the information, and request that it be removed or corrected. You may want to enclose a copy of the portion of your report that contains the disputed items and circle or highlight the disputed items. Include copies (not originals) of documents that support your position.  \nSend your letter of dispute to credit reporting companies by certified mail, return receipt requested, so that you will have a record that your letter was received.  \nView sample dispute letters at [https://consumerfinance.gov](https://consumerfinance.gov and click on Consumer Tools)[ and click on Consumer Tools](https://consumerfinance.gov and click on Consumer Tools).  \nEquifax Experian TransUnion  \n[Online](Online: www.equifax.com)[: www.equifax.com](Online: www.equifax.com) [Online](Online: www.experian.com)[: www.experian.com](Online: www.experian.com) [Online](Online: www.transunion.com)[: www.transunion.com](Online: www.transunion.com)  \n[By Mail](By Mail: Download and complete the By Mail: Use the address provided on By Mail: Download and complete the)[: Download and complete the](B","cbCaioieoXTeRyXM","https://ap.wps.com/l/cbCaioieoXTeRyXM","pdf",313226,"English","# Credit Report Review Checklist\n## Personal Information\n## Public Record Information\n## Credit Account Review\n## Balances and Account Status\n## Negative Information and Duplicates\n## Old Negative Information and Identity Theft\n# Disputing Incorrect Information\n## Contact and Submission Methods\n## What to Include in a Dispute Letter\n## Certified Mail Guidance","[{\"question\":\"What should be included when disputing information by mail?\",\"answer\":\"Include your complete name, address, and telephone number, any report confirmation number you have, and the account number(s) for items being disputed. Send supporting documents as copies (not originals) and mail via certified mail with return receipt requested to keep proof of receipt.\"}]","Credit Report Review Checklist - Disputing Incorrect Information | PDF",1789509033]