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How to dispute a negative credit report
Get contact information for the appropriate credit bureau.
Typically the address or phone number you must use to dispute an item will be on your credit report or on the credit bureau's website.
The credit bureau also may provide a way for you to dispute an item online.
There are some benefits to this, including the convenience and the ability to check your account for status updates rather than waiting for a letter in the mail. You also can find contact information on each credit bureau's website.