How to Dispute Negative Items on Your Credit Report
April 30, 2026 | 5 min read
Written By:
Credit Saint
Credit Saint
Staff Writer
With years of experience and a passion for helping clients achieve their financial goals, our team is committed to guiding you on your journey to credit recovery and financial success.
Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
Are errors on your credit report bringing down your score?
Here’s how to dispute negative items the right way.
Negative items on a credit report can lower credit scores, lead to higher interest rates, and create obstacles when applying for loans or housing. When those items contain errors or outdated information, the impact can be entirely unwarranted. Under the Fair Credit Reporting Act (FCRA), consumers have the right to challenge inaccurate or unverifiable entries — and Credit Saint’s team may be able to help navigate that process. This guide covers how to dispute negative items on your credit report, from identifying errors to following up with the bureaus.
Key Takeaways
According to a 2013 FTC study, 1 in 5 consumers had an error corrected on at least one credit report after filing a dispute, and 1 in 4 identified a potential material error.
The FCRA gives consumers the right to dispute inaccurate, incomplete, or unverifiable items — and credit bureaus are required to investigate within 30 days in most cases.
Common disputable errors include incorrect account statuses, duplicate entries, outdated negative items, and accounts that don’t belong to the consumer.
Credit Saint reviews reports across all three bureaus and may challenge entries that appear inaccurate or unverifiable — we handle every step of the dispute process with your authorization.
Understanding Negative Items on Your Credit Report
Before starting the dispute process, it helps to understand what qualifies as a negative item and how it affects credit standing. Negative items are pieces of information that signal higher risk to lenders. They can significantly lower a credit score and, depending on the type, remain on a report for several years.
Common negative items include:
Late payments — Payments made 30, 60, 90, or more days past the due date.
Collections — Debts sold or assigned to a third-party collection agency.
Bankruptcies — Legal proceedings to resolve unmanageable debt, typically remaining on a report for 7–10 years.
Foreclosures — When a lender repossesses property due to missed mortgage payments.
Repossessions — When a lender takes back collateral, such as a vehicle, due to missed payments.
Judgments — Court orders requiring payment of a debt.
Consumer Rights Under the FCRA
The Fair Credit Reporting Act (FCRA) is the federal law that governs how credit bureaus collect, maintain, and report consumer data. Under the FCRA, consumers have the right to access their credit reports, dispute inaccurate or incomplete information, and have errors investigated and corrected.
Credit bureaus and furnishers — the banks, lenders, and other companies that supply information to the bureaus — are obligated to investigate disputes and correct or remove information found to be inaccurate, incomplete, or unverifiable. If a furnisher cannot verify a reported item during the investigation period, the bureau may update or remove it from the report.
Send a separate dispute letter for each item, even if multiple errors appear on the same report. This helps ensure each entry receives proper attention during the investigation.
Step 5: Follow Up After the Investigation
After a dispute is received, the credit bureau has 30 days — or up to 45 days if additional information is submitted during the process — to investigate. The bureau contacts the furnisher to verify the reported information. Once the investigation concludes, the bureau provides written results.
If an item is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed, and a revised credit report is issued. If the dispute is not resolved in the consumer’s favor, a “statement of dispute” may be added to the credit report, which will be visible to anyone who pulls the report going forward.
Step 6: Consider Contacting the Original Creditor
In some cases, reaching out directly to the original creditor or furnisher — in addition to the bureau — can help move the process forward. This is particularly relevant when an error appears to have originated with the creditor rather than the bureau. A written explanation accompanied by supporting documentation can be sent to the creditor’s disputes department.
Credit bureaus generally have 30 days to investigate a dispute after receiving it. If additional information is submitted during the investigation period, the timeline may extend to 45 days. After the investigation concludes, the bureau provides written results and, if applicable, a revised credit report.
The FCRA is designed to address inaccurate, incomplete, or unverifiable information. Accurate items that a creditor can verify during the dispute process are unlikely to be removed. However, if a furnisher cannot verify a reported entry as accurate and complete within the investigation window, the bureau may update or remove it regardless of underlying accuracy.
Yes — while an item is under investigation, the credit report may show a “disputed” notation. This indicates to lenders and other report users that the accuracy of that entry is being challenged. If the dispute is not resolved in the consumer’s favor, a statement of dispute may be added to the file.
Closing an account with a negative item will not remove that history from a credit report. The negative entry will remain for the standard reporting period — typically seven years for most items. For credit card accounts, closing the account may also reduce available credit and increase the credit utilization ratio, which can further affect a score. Resolving the underlying issue is generally the more effective approach.
Bureau disputes trigger an FCRA-governed investigation process in which the bureau contacts the furnisher to verify the reported data. Contacting the original creditor directly — in addition to or separately from the bureau — can be useful when the error appears to have originated with the creditor rather than the bureau. Both avenues may be pursued. Credit Saint’s team reviews both pathways and pursues the most appropriate approach based on the specific entry.
Filing a dispute does not directly affect a credit score. The score may change only if the disputed information is corrected, updated, or removed as a result of the investigation. While an item is under investigation, lenders pulling the report will see a “disputed” notation, but the dispute itself is not reported as a negative event.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
