HOOK
What if one wrong account on your credit report is hurting your score right now? The good news: you can dispute it, and the process is simpler than most people think.
[B-roll: Close-up of a credit report with highlighted error, then a person reviewing documents at a laptop.]
KEY POINT 1
First, get your reports from all three bureaus—Experian, Equifax, and TransUnion. Don’t guess. Compare each one line by line, because an error may show up on only one report.
[B-roll: Three credit bureau logos on screen, then a checklist being marked off.]
KEY POINT 2
Next, gather proof. That could be a statement, payment confirmation, identity document, or a letter from the creditor. The more specific your evidence, the easier it is to support your dispute.
[B-roll: Folder labeled “proof,” screenshots of receipts, and an email confirmation.]
KEY POINT 3
Then file the dispute with the bureau online or by mail. Keep your explanation short and clear: what’s wrong, why it’s wrong, and what outcome you want. Save copies of everything you send.
[B-roll: Typing a dispute form, then placing copies into a file.]
KEY POINT 4
Finally, follow up. Credit bureaus usually have about 30 days to investigate. If the item is corrected or deleted, check all three reports again so the fix actually sticks.
[B-roll: Calendar flipping forward, then a report refresh showing an updated account.]
CTA
If you’re dealing with a specific error, learn the dispute rules before you submit anything. A clean, documented dispute can make a big difference in credit repair.
[B-roll: On-screen text: “Review. Prove. Dispute. Follow up.”]
