How can you handle a credit score dispute? Here are 5 effective strategies | Mint

Your financial well-being depends on having an accurate credit report. Errors can harm your credit score and impact your potential to secure loans or credit cards.

What is a credit score dispute?

A credit score dispute is a process through which you can raise disputes or inaccuracies in your credit report that may negatively impact your creditworthiness. The errors are primarily related to false personal information, unauthorized accounts, or erroneous payment history. To dispute, you must write to your respective credit bureau aided with supporting documents to confirm the error.

Further, the bureau will then examine your complaint, normally within 30 days, and correct the report if your complaint is fair and legitimate. Resolving disputes early improves your credit score and safeguard your financial integrity. That is why checking your credit report periodically aids in the detection of and resolution of errors at an early stage.

Implementing these simple yet healthy habits and properly monitor your credit profile. These steps will ensure your financial health remains intact in the long run.