Where do I get my reports?

Start with annualcreditreport.com and monitoring services as needed.

Statements, ID, proof of payments, correspondence supporting your claim.

Do I need to mail disputes?

Certified mail provides proof of delivery; online portals are also available.

Find and fix inaccuracies, then document and follow up properly for the best outcomes.

Pull from each bureau; check for completeness and recent updates.

Look for duplicates, incorrect balances, wrong dates, or accounts that are not yours.

Collect clear evidence; redact sensitive data on copies.

Submit to the relevant bureau and/or furnisher, then follow up.

Track certified mail and keep a response log; escalate when needed.

Which bureau should I contact?

Contact each bureau reporting the error; also contact furnishers if needed.

Do online disputes work?

Yes, but certified mail gives proof of delivery if escalation is necessary.