Help ensure the accuracy of your credit report: 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.

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.

• 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).

If you already have a Credit Report Challenge and want to have it reviewed, or if you have questions about creating or using one, there are a few ways to get help.

Use Rocket Copilot to ask questions or review your document; this helps you better understand what it says and identify anything that may need a closer look.

If you are looking for help from a Legal Pro, you can also ask a question and receive a response within one business day, or request a more in-depth document review.