Credit bureau investigation - what if I disagree?

An investigation may not resolve your dispute with the credit bureau with the outcome you wanted. If that's the case, ask the credit bureau to include your statement of the dispute in your file and in future reports. If requested, the credit bureau also will provide your statement to anyone who received a copy of the old report in the recent past. There usually is a fee for this service.

If you tell the information provider that you dispute an item, a notice of your dispute must be included anytime the information provider reports the item to a credit bureau while that dispute is being investigated.

If the investigation does not produce the results you feel are correct and inaccurate information in your credit report is causing you harm, you may consider hiring a lawyer you help to resolve your dispute as a last resort.

Your FICO® Scores can impact your loan interest rates, terms, approvals and more. Learn more

Featured Credit Card from our partners

Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.