What to Do if Your Credit Dispute Didn't Work

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What to Do if Your Credit Dispute Didn't Work


If you took the time and effort to dispute an error on your credit report, but it didn't result in a corrected report, don't be discouraged -- you still have other options. Let's explore some of the main ones.

Could the error not actually be an error?

It could be possible that what you'd like to see reflected on your report and what data furnishers and credit bureaus are required to -- or have a right to show-- don't align. In Step 1 of our "How to Dispute an Error on Your Credit Report" article, we share some examples of potential errors.

If you're concerned about negative information on your credit report, the good news is that in many cases those items can have less impact over time before they fall off completely, usually after seven or ten years (depending on what the issue is). Hard inquiries usually come off your report within two years.

Have you contacted both the credit bureau and the data furnisher?

When your dispute investigation was completed, you should've received a summary of what was decided and why. If you previously contacted the credit bureau, but the disputed information came from someone else, like your bank or credit card company, then it may be worth it to contact the company that reported the information directly to see if you can sort out the issue.

If you previously contacted the data furnisher, but the disputed information didn't come from them, then the data furnisher may not have to investigate the dispute. It may be worth it to contact the credit bureau instead to make sure your dispute is handled correctly.

If you're a Credit Karma member, you can dispute an error on your TransUnion credit report through our Direct Dispute™ tool. Here are instructions on how to do that.

Still not satisfied with how your dispute was addressed?

Do you want to add information about your dispute to your credit report?

If your dispute was filed through a credit bureau, you can provide a brief statement summarizing your dispute that will be included with your credit report (not an option if you disputed directly with a data furnisher). This can help explain what happened even if the dispute didn't go in your favor.

Did your dispute take too long? Were you not treated well during the process? Is there still a valid error on your report that is hurting your credit?

Another step you can take is to file a complaint with the Consumer Financial Protection Bureau (CFPB), your state's Department of Consumer Affairs or your state's Attorney General's office.

If you decide to file a complaint, it's important to explain what happened as fully as you can. Is it a problem with the way your dispute was handled? Is it an underlying account issue with the company that reported the information to the credit bureau? The CFPB has an online option for filing a complaint that lets you file different forms depending on the type of product or service you're having concerns with. They'll forward your complaint to the company you identify and will keep you updated on responses from the company.

Are you considering credit repair companies?

Be wary of possible credit repair scams that promise fixes they can't actually deliver on. You might be feeling very frustrated and be tempted by the quick fix they're trying to sell you, but be careful about letting someone else take advantage of your frustration. Repairing your credit can take time. Taking the initiative to work on your own credit health could save you from more frustration and effort in the long run.

About the Author: Jennifer Micieli, CFP® is Credit Karma's Financial Expert. She worked as a financial planner for five years before joining Credit Karma in 2014. Jennifer works with the content and product teams to help members learn how to better manage their finances.

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

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All Comments

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1 Contribution
3 People Helped

Helpful to 3 out of 3 people

My husband and I owned a home in AZ and when he died unexpectedly in 2009 I had to let the home go into forclosure in 2010. We had a first and a second mortgage and after I signed all the papers and moved out every thing was fine. I rented for 2 years till i could get back up on my feet and purchased a new home in 2012. The only negative thing on my credit was the forclosures on the first and second house notes, which a simple letter and proof of the death of my husband cleared up and I was able to purchase my new home.

Now 6 years after my home was forclosed on Im being told my second mortgage was sold (not sure how it could be sold if it were forclosed on) and I am now deliquent on those payments. Now mind you the only reason I found out about this was because I was randomly checking my credit, I disputed it with the credit bureau and it came back that it was legitimate. I called the the bank who it is reporting it and they told me it was from my 2nd mortgage. I asked them to provide me the information they had on this loan multiple times and provided them my address and I still have not received anything from them not even a bill or statement, but every month the add another month delinquent on my credit. HELP I do not know what to do next.

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

This is useless if not one of the entities will do a thing even with divorce decrees saying one isn't responsible. 

If you can't find a way to stop the agencies who are destroying credit for NO reason, please don't post "hellpful" info that does not work. 

Been there, done that, no one is listening, the agencies and entieies like hospitals will not listen and are harming - and until credit companies like Credit Karma speak out to the FTC, we are all screwed.

Totally useless I am SO disappointed.

2 Contributions
2 People Helped

Helpful to 2 out of 2 people

this has been on my record for to long an i had been scamed for alot of my credit i would like to have them removed when they have been on there over 2 years  tnank you, Janet Wielosik

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

is there a time limit on how long a closed account can stay on your credit report

Reply by

1 Contribution
0 People Helped

Seven years from the date they report it to the bureau as a bad account, or closed account. Good luck

4 Contributions
20 People Helped

Helpful to 3 out of 5 people

Absolutely no help!

Where is the link for form?

Credit Karma Team
Top Contributor
2949 Contributions
4493 People Helped
Helpful to 1 out of 1 people

You can find it here: http://www.consumerfinance.gov/askcfpb/314/how-do-i-dispute-an-error-on-my-credit-report.html or by searching on Google. 

6 Contributions
7 People Helped

While trying to establish a new credit history after decades of living debt free I came across an old acct which had been paid off months before I moved yet a year later had a charge which was an error. The cable company had no record of it and their collections agency couldnt verify it as it was a bill generated a year after I had moved out of state and then back into a home I bought.
In my zeal, I filed a dispute which then resulted in the charge being dropped from my credit reports as it should have been.

I missed one. It was a taken care of but i thought it had not so again I filed a dispute. As a result of my own dispute it reopened the dispute online and showed that I disuputed it in August. Had I not filed the 2nd dispute, it would not have been on my current report.Now I know to be more careful in rechecking my remarks and in duplication in filing disputes as they dont necessariy go back to the first remark but open new ones. DUH

I think living debt free is easier but also see its important to have a credit score even if not utilized.A credit score is needed for an equity loan on a house or to buy another car etc and without a good credit score you  could get higher interest rates or be denied loans.

I hope to establish my credit scoore so if I choose a home equity loan to update my home that it be approved at a good rate.

1 Contribution
0 People Helped

I have Medical Collection Bills that were to be taken off my collections (shouldn't have been sent to collections in the first place) as a result of a Worker Comp settlement....I have been unable to even get to the dispute section since the questions they ask you to identify yourself...they say I responded incorrectly....HUH?  This makes me wonder if someone has stole my identity...this is all really frustrating

1 Contribution
0 People Helped

My credit is adversly affected because of the bankruptcy I filed 2 years ago. I filed Chapter 13 (wage earner) which gave me 5 years to pay it out. I paid everything off in less than a year (8 months to exact) and they closed the bankruptcy file as paid. There are still 10 collection companies on my file, but they do show zero balance. How do I get those off my report. I have contacted each of them repeatedly but because they are collection companies for some reason they won't take them off even though they were all paid 100%.

1 Contribution
0 People Helped

I have contacted the Dept of Education in reference to the negative responses on my credit, even with my taxes, and also other information. I could not get a car loan or even a loan from the bank that I have been with for 11 years. I have hired a company that said that they would help me to dispute this, but when it comes to the goverment, well there is no resolution. Also they have wrong information about my employment history. So I am requesting a lawyer so that I can sue.

1 Contribution
0 People Helped

How can a company write closed/derogatory when you are still current on payments and have never missed a payment.  This is a Chase Home Loan.  I filed a Chapter 7 but never let it affect  my home only my credit cards.  Is there anyway to fix this.  The bank refused to let me reaffirm my loan.  They will not let me refinance for 5 years by that time my house will be within 5 years of paying off.  Any suggestions how to get the derogatory remarks removed?

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