The FTC did a survey that showed more than 1 in 5 Americans had a credit report mistake. Mistakes that make you seem more risky than you really are.
For effective dispute resolution, first follow these two steps
Dispute an Error On Your Credit Report with the credit bureau.
Step 1: Dispute the negative item with the credit bureau
Step 2: Dispute the negative item with the lender
What happens if they won’t remove the negative item?
Common credit report errors
Incorrect personal information
Duplicate and fraudulent accounts