You can dispute mistakes or outdated items for free. Ask teh credit reporting agency for a dispute form or submit your dispute in writing, along with any supporting documentation. Clearly identify each item in your report that you dispute, explain why you dispute the information, and request a reinvestigation. If the new investigation reveals an error, you may ask that a corrected version of the report be sent to anyone who received your report within the past six months. Job applicants can have corrected reports sent to anyone who received a report for employment purposes during the past two years.
Many states have laws strictly regulating credit repair companies.
States may be helpful if you've lost money to credit repair scams. If you've had a problem with a credit repair company, don't be embarrassed to report the company. Many AGs have toll-free consumer hotlines. Check with your local directory assistance. Although the Commission cannot resolve individual credit problems for consumers, it can act against a company if it sees a pattern of possible law violations.