In Part 1 of What Can You Legally Dispute On Your Credit Report, we covered errors that you should dispute including wrong identity information and other account mistakes. In part 2, we share other things you can dispute:
Anything Past 7 Years: Derogatory information can only stand on your credit report for a certain amount of years. Time frames vary, but in most cases it’s 7 years from the date the account first became delinquent.
Derogatory Marks: When you pay a past-due bill it usually won’t come off your credit report automatically. You have a right to challenge it, especially if it’s damaging your credit.
Keep in mind that when you set out to dispute an item on your credit report, the fix won’t happen overnight. It takes time to improve your credit score. For a detailed look at your credit report, go to annualfreecreditreport.com.