How Many Items Should You Dispute on Your Credit Report at One Time?

Right To Dispute

Under the Fair Credit Reporting Act (FCRA), only accurate information may appear on a credit report. Consumers have the right to dispute erroneous data with the credit bureau. Bureaus have 30 days to investigate the dispute and correct the error. The FCRA does not limit the number of items that a consumer can dispute at one time.

Frivolous Disputes

The FCRA gives bureaus the right to refuse to investigate disputes that are frivolous or irrelevant, including disputes where the consumer fails to provide sufficient information to investigate the disputed information. Within five days of this determination, the bureau will tell the consumer why the dispute is considered frivolous and what information is needed to complete the investigation.

Bottom Line

Consumers have the right to dispute any information contained on a credit report. They also have the right to dispute more than one item at a time. Consumers should offer valid reasons for the dispute and provide any supporting documentation, if applicable.

References

• Equifax: FCRA Summary of Rights
• Federal Trade Commission: The Fair Credit Reporting Act
• Federal Trade Commission: How to Dispute Credit Report Errors

Resources

• Annual Credit Report: Free Credit Report
• Equifax: Online Dispute
• Experian: Dispute Your Credit Report Online
• TransUnion: Credit Disputes