Disputes can help when information is inaccurate—but disputing accurate items usually won’t improve your score. Here’s how to think about it. Disputes make sense when • The account isn’t yours • Dates/amounts are wrong • A late payment is reported incorrectly • A collection is duplicated • Identity theft is involved Disputes usually don’t help when • The information is accurate • You’re trying to remove a valid late payment • You’re disputing everything without evidence Next