Credit Disputes: When It Makes Sense (and When It Doesn’t)

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 step

Submit the credit counseling form and we’ll identify what’s worth disputing and what will move the needle faster.

For more information about reviewing credit-report concerns and understanding available next steps, visit Trinity Credit Remedy.