What the credit review looks at
The goal is to turn a broad concern into a clear factual question. These are the first details to organize:
Information that appears unfamiliar, incomplete or duplicated
Record what is shown, what you believe is wrong and what document may support that position.
Dates, balances, account identity and reporting status
Record what is shown, what you believe is wrong and what document may support that position.
Which reporting company and information furnisher may need notice
Record what is shown, what you believe is wrong and what document may support that position.
Documents that may support a factual dispute
Record what is shown, what you believe is wrong and what document may support that position.
What this does not promise
A review is not a promise that an item will be removed or that a score will change.
The next documented step
Use the Position Scan to name the report, the item and the reason for concern. Do not send passwords, Social Security numbers, complete account numbers or government-ID images through the public form.