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CreditCEO LLC · A+ BBB ratingSeattle, WA · 20+ years
CreditCEO. Become the boss of your credit.

Inaccurate and Unverifiable Credit Items

The Fair Credit Reporting Act gives you the right to dispute anything on your credit report that is inaccurate, incomplete, or can't be verified. Common examples are wrong balances, wrong dates, accounts that aren't yours, and wrong personal information. We review all three reports line by line and send good-faith disputes for anything that looks wrong.

Zero-risk start

  • Free credit analysis
  • A free action plan, even if we can't help you
  • Cancel anytime
  • We text and email you updates

How we handle it

Our inaccurate & unverifiable items process

  1. Line-by-line review

    We check accounts, balances, dates, inquiries, and personal information on all three reports.

  2. Compare the bureaus

    Differences between bureaus often point to items worth questioning.

  3. Send good-faith disputes

    With your written approval, we dispute items that look inaccurate, incomplete, or unverifiable.

  4. Follow up

    Bureaus generally must investigate within 30 days. We track every response for you.

We do not remove accurate, current, and verifiable information.

Start with a free credit analysis

You get a written action plan even if we can't help you. Cancel anytime.

Zero-risk start

  • Free credit analysis
  • A free action plan, even if we can't help you
  • Cancel anytime
  • We text and email you updates

CreditCEO LLC · A+ BBB rating

Client storySharon K. · Bellevue, WA

Individual results vary. These are real clients sharing their own experiences; their results are not typical and are not a guarantee of results. No one can legally remove accurate, current, and verifiable information from a credit report.

Inaccurate & Unverifiable Items: common questions

Anything reported wrong: an incorrect balance, payment status, or date, an account that isn't yours, a duplicate account, or wrong personal information like a name or address.

When you dispute an item, the bureau checks with the company that reported it. If the information can't be verified, the bureau must correct or delete it.

Generally 30 days from when they receive your dispute, and sometimes up to 45 days if you send more information during the investigation.

Yes. Old or wrong names, addresses, and employers can be disputed. Cleaning these up helps keep your file accurate.

Dispute it with each bureau that reports it. If you believe it's identity theft, you can also file a report at IdentityTheft.gov and place a fraud alert or freeze.

Other credit repair services

See our full credit repair service, pricing and plans, or request your free credit analysis.