What Can You Dispute on Your Credit Report? If you ever find yourself in a situation where a credit dispute is necessary, follow these guidelines for a successful dispute letter and secure delivery to the appropriate bureau. Fortunately, one can start to correct errors on their credit report by filing dispute letters to the three main credit bureaus.Ī dispute letter could be one of the most important pieces of mail you ever send out. However, sometimes, clerical errors are made during a loan application, or a credit card payment is applied to a wrong account.Īlthough mistakes are only human, a mistake on your credit report could drastically reduce your score and have a negative impact on your life. From loan approvals to obtaining high-level finance careers, your credit score can help you take some of the next big steps in your life.