Page 9 - DIY; The Plug

Disputes Begin!

Round 1: Dispute Derogatory aka Negative Items

Log into bureau and start dispute:

❑ Experian
❑ Equifax

❑ Transunion

Items to Dispute:

• Late Payments-Dispute ALL late payments.

• Collection Accounts- Dispute ALL accounts
• Hard Inquiries- Dispute unauthorized inquiries.

Start Online Dispute:

1. Select item(s) to dispute
• Select dispute reason
• Below each dispute, a comment box is provided, use one of the

explanation remarks below
• After all derogatory account(s) have been selected for dispute, submit
dispute

**A confirmation or report number will be provided at the close of each dispute. Be sure to write down the report
number on the log provided.

Dispute Explanations: Use the appropriate explanation below

Derogatory items Dispute Reason Explanation Remarks
in comment box
Late payment Payment history incorrect Please remove all late
marks immediately
Collections This is not my account./No Please remove or send
knowledge of account supporting documents
immediately
Medical Bills, No knowledge of account Please remove immediately
Repossessions, Charged off or provide contractual
accounts agreement

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