According to the Federal Trade Commission, says that about 1 in 4 reports contain errors that might have at least a small, negative impact on your credit score. Get copies of each of your credit reports from TransUnion, Experian, and Equifax—or use a service like CreditKarma—and review each line for errors.
Keep in mind that “bad” doesn’t mean “wrong,” so you shouldn’t dispute something just because it has a negative impact. You should instead, look for accounts you don’t have that might mean your identity has been stolen or other inaccurate information.
If you discover something like a bill you never paid because you moved and didn’t update your mailing address with the creditor, contact them, not the credit bureau. You can make arrangements to pay and ask them to remove the reported delinquencies on your credit report.
Should If you discover that one of the credit bureaus has done something like failed to record a payment or to remove a negative mark that is too old to be shown, you can file a dispute. When If you do, make sure you have documentation to prove your case, and then contact the credit bureau showing the wrong information. Most of the time, they’re required to respond within 30 days.