The credit report dispute process may be easier than you think. For one thing, it is a very inexpensive proposition; you can get copies of your credit reports for free, once a year. Taking advantage of this free process is something you have to do so you are not unpleasantly surprised during a major purchase attempt.
There are three major credit reporting agencies that creditors are accountable to: Experian, Equifax and TransUnion. If you go to annualcreditreport.com, you can order free copies from all three right on one site. You’ll need all three because not every creditor reports to the same agencies, so while you might look good on one report, you might have problems on another.
Self Help Credit Repair