This is if your credit score is being affected by an inaccurate late payment. You have the right to put in a request to have it removed. First, you will send the dispute letter to the credit bureau that generated the report and/or with the creditor. Send the letter to each credit bureau that reports the mistake. Your letter should include the negative information under discussion, any pertinent documentation, and a formal request that the item is corrected or removed. The creditor/bureau then has 30-45 days after receiving the dispute to investigate and you should be notified of the results of the investigation upon completion.
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