How to Dispute a Credit Report

When thinking about how to dispute a credit report it is important to realise that if there are errors or inaccuracies in a credit report then the credit bureau involved is in theory likely to be willing to work with you to remove them.

It is not in the interest of the credit bureau to rely on inaccurate or misleading or wrong information when producing its report.

The reputation and standing of all the major credit bureaus depends to a large extent on their reliability and accuracy, and most of the inaccuracies in most credit reports are in a sense inadvertant.

It is also worth understanding the process how a credit report is produced.

Any lender that you approach such as Kubota credit either for a loan or to enter into a lease agreement is likely to approach one of the three main credit bureaus and get their assistance in producing a credit report and subsequent credit score.

The credit report will be a compilation of personal and financial information, racing to the individual, possibly their family, possibly that business colleagues if the  application is a commercial one.


A lot of the information that is used to produce a credit report also relates to prior credit history, inflation credit bureau will acquire from other sources including public records.

This can relate to things such as bankruptcies, previous and prior loans and mortgages, lines of credit, store cards and credit cards and one thing that everyone really doesn’t like, payday loans.

Some of this information is in the public domain may by law be time limited how life can be included in a credit report, and this is one of the things that should be checked.

The individual should obtain a copy of their credit report and check everything in it for its accuracy and truth.

If there are areas that are clearly wrong.

Then approaching the credit bureau directly is probably the best first step.

Providing specific evidence that it is wrong is also very helpful, and this may necessitate going back over original credit card or store card all lines of credit history yourself to prove that certain items were all are not relevant or true.

The credit bureau should be open to correcting any areas that are wrong. They are unduly defensive or not forthcoming then it may be time to consider other avenues to force them to listen.