You have the right to dispute any inaccurate information listed on your credit report by contacting the credit bureaus directly. However, neither you nor any company can remove accurate, current, and verifiable information from your credit file. Credit bureaus are only required to remove accurate negative information once it becomes outdated—generally after 7 years, and 10 years for bankruptcy records. You are entitled to obtain a copy of your credit report from any credit bureau. A reasonable fee may apply; however, you can receive a free copy if: You were denied credit, employment, insurance, or housing within the past 60 days based on information in your report. You are unemployed and plan to seek employment within 60 days. You receive public assistance. You believe your file contains inaccurate information due to fraud or identity theft. Credit bureaus must also provide assistance to help you understand the information in your file. You have the right to take legal action against any organization that violates the Credit Repair Organizations Act (CROA). This federal law prohibits deceptive or misleading credit-related services. You may cancel any credit-related service contract before midnight of the third business day after signing, without penalty or obligation. Refer to the cancellation notice form below for details. Credit bureaus must use reasonable procedures to ensure accuracy, but errors can still occur. You may dispute inaccurate information directly with the credit bureau at no cost. They must reinvestigate and correct or remove any information that is incomplete or inaccurate. Provide copies of all relevant documents to support your claim. If, after reinvestigation, the dispute is not resolved to your satisfaction, you may submit a written statement explaining why you believe the information is incorrect. The credit bureau must include a summary of your statement in any future reports they issue. The Federal Trade Commission (FTC) oversees credit bureaus and credit repair organizations. For more information, contact: Public Reference Branch Federal Trade Commission Washington, D.C. 20580