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Dispute an Item on a Credit Report. Disputing a credit report is a protected and free right under the consumer credit protection act that requires credit bureaus to investigate if a collection or debt is valid. The credit bureau has thirty (30) days to provide a formal response (may be extended fifteen (15) days if new evidence by the requestor.
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Records of inquiries by all parties that obtained a credit report on you from that credit bureau Public records occurring in the last 10 years. You can also follow the instructions provided on the site to report any inaccuracies in your report. You will not receive a copy of your credit score with your free annual credit reports.
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