The three credit bureaus are independent companies that do not necessarily share the same information. That’s why you need to check your credit history on all three credit reports. That way, you know where to send letters to dispute incomplete, inaccurate, or outdated information. You will need separate correspondences with each credit bureau that lists a particular derogatory item. Removing a dispute on, say, Experian doesn’t mean the same dispute will be removed from Equifax or TransUnion if it appears on more than one credit report. While you certainly have the right to dispute any item on your credit report, you don’t want to go overboard. The regulations allow the credit bureaus to ignore frivolous disputes. A bureau may reach that determination if you dispute every item on your report or repeatedly request a reinvestigation of a rejected item. But don’t be deterred if you receive a frivolous dispute letter that you believe to be wrong, as you can resubmit your request with supplementary information. In addition, Sky Blue Credit Repair and the other reviewed credit repair services offer support to respond to frivolous dispute letters.