Dispute & Removal Process
Remove Inaccurate Items from Your Credit Report
Errors on your credit report can lower your score, prevent loan approvals, and limit your financial opportunities. At What’s A Credit, our Dispute & Removal Process is designed to help you challenge and remove inaccurate, outdated, or unverifiable items from your credit reports in a completely legal and compliant way.
Our team understands how critical it is for your credit history to reflect your true financial behavior. Negative marks like late payments, collections, charge-offs, or incorrect personal information can unfairly drag down your credit score. With our professional approach, we ensure that these errors are identified, disputed, and removed whenever possible, giving you a clearer path to financial freedom.
What We Dispute
Our services cover a wide range of credit report issues, including:
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Late Payments
Incorrectly reported late payments that can harm your credit score.
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Collections Accounts
Old, paid, or inaccurate collection accounts.
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Charge-Offs & Repossessions
Accounts that may have been misreported or settled incorrectly.
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Inaccurate Personal Information
Errors like wrong addresses, misspelled names, or accounts not belonging to you.
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Medical Bills & Other Negative Items
Items that are outdated or unverifiable under federal law.
How the Dispute Process Works
Our services cover a wide range of credit report issues, including:
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Credit Report Review
We identify every item that may be inaccurate or unfairly reported.
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Preparation of Disputes
Using the Fair Credit Reporting Act (FCRA), we create and send disputes to the credit bureaus on your behalf.
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Follow-Up and Verification
We track the response from the credit bureaus and creditors to ensure your disputes are resolved correctly.
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Removal of Negative Items
Once verified, negative items are corrected or removed, improving your credit score.
