dispute inaccurate credit information 4

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If you spot a mistake on your credit report, like a late payment you never made or an account that isn't yours, you can file a dispute with the credit bureau. You'll need to provide clear evidence, such as a bank statement or a letter from the creditor, explaining why the information is wrong. The bureau then investigates, usually within 30 days, and corrects or removes the inaccurate entry from your report.