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Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate, incomplete, or unverifiable items on your credit report. Credit bureaus must investigate within 30 days.

Common disputable items include late payments, collections, charge-offs, judgments, and bankruptcies that are inaccurate or outdated.

A higher credit score can save you thousands on loans, mortgages, and insurance. Improving your score by just 100 points can lower your mortgage rate by 0.5% or more.