Before starting, pull your annual credit reports or enroll in our credit monitoring service for $29.90. Our monitoring service provides a simplified layout, making this process quicker and much easier to follow.

This course walks you step-by-step through how to remove outdated personal information from your credit reports, including old addresses, misspelled names, former employers, and old phone numbers. Cleaning up your personal data is the foundation of a successful credit profile and improves the accuracy of every dispute you file.

In this section, you will learn how to carefully review your credit reports and identify all collection accounts reporting across TransUnion, Equifax, and Experian. Understanding which accounts are in collections—and how they are being reported—is a key step in creating an accurate dispute strategy.

In this course, you will complete your collection dispute letters step-by-step and mail them to the appropriate collection agencies using the contact information provided on your credit reports.

As you review your credit reports, check to see if you have any of the Top 10 common FCRA violations listed in this section. Identifying these errors is the first step in building a strong dispute strategy.