Facts

• You may request that a credit dispute be reopened if you can provide additional documentation to support your claim.
  
  

Options

• The Fair Credit Reporting Act gives you the right to add a 100-word consumer statement to your credit report. You can use the consumer statement to explain any inaccuracies the credit bureaus will not remove.
  
  

Considerations

• Every individual has the right to file a complain with his state's attorney general concerning unfair practices by the credit bureaus.
  
  

Legal Action

• If you are not satisfied with the results of a credit report investigation, you may file a lawsuit against the creditor reporting the inaccuracy to the credit bureaus and the credit bureaus themselves.
  
  

Warning

• If you dispute an item on your credit report repeatedly without providing additional information, the credit bureaus have the right to refuse to reinvestigate your claim at any time.