Account
Get our app
Account Sign up Sign in

Make your Free
Credit Report Challenge

If you need to challenge something on your credit report, you can use a Credit Report Challenge. As your credit score is crucial when a creditor is deciding if you're loan-worthy, you can use a... Read more

Make document
Sample Credit Report Challenge Template
How It Works About Document Related Documents

How It Works

Create your document

Create your document

Answer a few simple questions to make your document in minutes

Save, print & share

Save, print & share

Save progress and finish on any device; download & print anytime

Sign & make it legal

Sign & make it legal

Securely sign online and invite others to sign

Making a Credit Report Challenge

  • What is a Credit Report Challenge?

    If you need to challenge something on your credit report, you can use a Credit Report Challenge. As your credit score is crucial when a creditor is deciding if you're loan-worthy, you can use a Credit Report Challenge to help ensure that your score remains accurate.


    Use the Credit Report Challenge document if:

    • You want to challenge something on your credit report.
    • You'd like to add an explanation to an item on your report.
    • You want to request the deletion of information more than seven years old (ten years in the case of bankruptcy).

    A Credit Report Challenge can be used when you discover an error on your report. For example, perhaps you paid off that old video rental account years ago, and one of the credit reporting bureaus is still reporting it as overdue. You can use this document to provide as much information about your specific situation as you can. The credit bureau is then required to investigate your case (at no charge), and must correct any mistakes or remove any information that it can't verify.

    There are three separate credit reporting bureaus, and you have to make sure your information is correct on all of them. If you encounter a mistake you can use a Credit Report Challenge to help correct it.

    Other names for this document: Credit Report Challenge Letter, Challenge Credit Report

Related Documents

Ask a lawyer

Our On Call attorneys are here for you.
Characters remaining: 600
Rocket Lawyer On Call® Attorneys

WHY ROCKET LAWYER?

Easy legal documents at your fingertips

Answer a few simple questions to make your document in minutes

Easily customizable
Make unlimited revisions and copies. Sign online. Share and print anytime.
Legal and reliable
Our documents are vetted by lawyers and legal staff, so you can use them with confidence.
Document Defense Shield
Added protection with Document Defense®
If there's a dispute, an On Call attorney can respond on your behalf. Included in your Premium plan.
Try Rocket Lawyer free for 7 days
Make your Premium document today and get back to doing what you love.

Looking for something else?