What the credit review looks at
The goal is to turn a broad concern into a clear factual question. These are the first details to organize:
The month and status being reported
Record what is shown, what you believe is wrong and what document may support that position.
Statements, confirmations or account records
Record what is shown, what you believe is wrong and what document may support that position.
Whether a deferment, transfer or servicing change matters
Record what is shown, what you believe is wrong and what document may support that position.
Where a supported dispute should be sent
Record what is shown, what you believe is wrong and what document may support that position.
What this does not promise
Accurate late-payment history generally remains reportable within applicable time limits.
The next documented step
Use the Position Scan to name the report, the item and the reason for concern. Do not send passwords, Social Security numbers, complete account numbers or government-ID images through the public form.