Understanding How To Deal With Multiple Delinquencies On Your Credit Report

I’ve got several inaccuracies on my credit report – which one do I dispute first? 
If you reviewed your credit report and found multiple inaccuracies, you might be confused or overwhelmed with which you should tackle first.  Let us help you!  Dispute the easiest items first, then move on to the hardest ones.  Contact us if you have questions about an inaccuracy you’re unsure of.

EASIEST ITEMS TO DISPUTE
- outdated accounts
- inaccurate late payments
- inaccurate accounts that were late but are now paid off
- inaccurate charge-offs and settled accounts
- inaccurate authorized user accounts
- accounts that do not belong to you

HARDEST ITEMS TO CHALLENGE
- inaccurate bankruptcies
- inaccurate foreclosures and repossessions
- inaccurate unpaid tax liens and judgements
- inaccurate recent charge-offs and new collections
- inaccurate new late payments of 30, 60, 90 and 120 days
- inaccurate late child support payments

HOW TO KNOW IF AN ITEM IS DISPUTABLE
- the account is not yours
- you have no record of being late
- the trade line displays the wrong amount
- the account number is incorrect
- the accounts are unverifiable
- the original creditor is wrong
- the charge off date is inaccurate
- the date of last activity is wrong
- the credit limit is incorrect
- the status is wrong
- the high credit is wrong
- the charge off amount is wrong
- the balance is wrong
- the items are questionable or misleading
- the accounts are erroneous
- outdated
- inaccurate or incorrect

TIP!  In order for the credit bureau to start a NEW investigation after they have verified that the inaccurate account is yours, you must give them a new reason to investigate if you feel that the account is wrong.  When you do this, it prevents the bureau from marking your disputes as frivolous or irrelevant.