How do you dispute a problem with the credit reporting agencies?

After carefully identfying errors on your credit report contact the agency/agencies that you wish to dispute the content via website to acquire the dispute form. Experian, Transunion and Equifax provide a free yearly report which can be used to help identify problems. Be sure to fully complete the form , include information pertinent to proof, and submit via website or standard mail. It takes about 90 days for a response, check report often during this period and contact agency after 90 days without response.