All incorrect, incomplete, or outdated information can be disputed Be succinct in stating what your desired result is and provide documentation. If the information is outdated, it should be promptly removed. For information that the consumer believes is inaccurate or incomplete, the credit bureau has 30 days to verify the information with the creditor to ensure that it is correct. If the creditor cannot document the truthfulness of the disputed information, it must be deleted from the credit report. It is often necessary to dispute the same item with all credit reporting agencies that have recorded the negative notation. Credit bureaus do not communicate or share information and making a correction on one report does not mean the correction will appear on the report of a different bureau. Mail everything certified mail, return receipt requested. Disputes can be filed easily over the Internet; however, the conventional wisdom is that mailed disputes are the most effective and that certified mail should be used. You may use the sample dispute letters found at the back of the Consumer Guide to Good Credit.