Fix Inaccurate Items on Your Credit Report
Why Credit Report Accuracy Matters
A single error on your credit report can cost you thousands. Whether you’re applying for a mortgage, auto loan, insurance, or even a job, your credit report plays a critical role in how you’re evaluated. Lenders and employers rely on accurate credit data to make decisions, so any mistakes—like incorrect late payments or accounts that aren’t yours—can unfairly impact your life. At Global Credit in St. Louis MO, we help correct those errors quickly and effectively.
By working with credit bureaus, banks, and credit unions, we make sure your report accurately reflects your financial history, giving you a stronger foundation for future financial opportunities.
Common Errors We Help Dispute
Incorrect personal info
Something as simple as a misspelled name, outdated address, or wrong Social Security number can create major confusion on your credit report. We help correct these inaccuracies to ensure your report reflects your true identity. Clearing up personal data errors also helps eliminate accounts or inquiries that may have been mistakenly added under similar names.
Late payments inaccurately reported
If you’ve made payments on time but they’re listed as late, it can drag your score down significantly. These errors often happen due to miscommunication between creditors and reporting agencies. We contact both your creditors and the credit bureaus to verify your records and get false late payment entries corrected or removed.
Accounts that don’t belong to you
Seeing accounts on your report that you never opened? These could be the result of reporting errors or even identity theft. Our team investigates the origins of these accounts, disputes them with all three major bureaus, and helps secure your identity to prevent future issues.
Duplicate accounts
Duplicate entries can make it look like you owe more than you do or are overextended financially. We analyze your credit report line by line to spot these duplicates, then work with the credit bureaus to merge or remove them so your credit profile is accurate and fair.
Fraudulent accounts
Fraudulent accounts are often a sign of identity theft. These unauthorized lines of credit can severely damage your score. Our Identity Restoration Package is designed to remove fraudulent items, help file police reports, and protect your credit going forward with monitoring and alerts to stop future theft.
Ready to Get Started?
The team at Global Credit is here to help. Whether you have questions about inaccuracies on your credit report or need support after identity theft, we're just a call or message away.
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How Our Dispute Process Works
Step 1: Investigation
We begin by obtaining your credit reports from all three major bureaus—Equifax®, Experian®, and TransUnion®. We conduct a thorough review to identify inconsistencies, errors, and items that don’t belong. With our knowledge of how lenders and credit bureaus operate, we look for reporting patterns that may cause recurring issues.
Step 2: Drafting dispute letters
Once errors are identified, we draft clear, professional dispute letters tailored to each issue. These letters include supporting documentation and cite specific language from the Fair Credit Reporting Act to demand correction. Each dispute is addressed directly to the appropriate credit bureau and creditor to ensure proper handling.
Step 3: Following up with credit bureaus
The dispute process doesn’t stop with sending a letter. Our team follows up consistently with all three credit bureaus and involved creditors to ensure timely responses. If disputes are ignored or improperly handled, we escalate the process and advocate on your behalf using your legal rights under federal law.
Step 4: Monitoring updates
After disputes are submitted, we monitor your credit reports for updates, removals, or status changes. We keep you informed every step of the way and ensure that positive corrections are reflected across all bureaus. This allows you to see measurable improvements to your credit over time and protects your long-term financial reputation.
Your Rights Under the Fair Credit Reporting Act (FCRA)
As a consumer, you are legally entitled to accurate and fair credit reporting under the Fair Credit Reporting Act (FCRA). This federal law gives you the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit bureaus are legally required to investigate your claims within 30 days and correct or delete any errors found.
At Global Credit, we help you exercise those rights to the fullest. We work with credit bureaus and communicate with lenders and credit unions who may be responsible for reporting incorrect data. Whether it’s a bank in or a regional credit union, we ensure your information is fair and accurate. You deserve a credit report that truly reflects your financial behavior—and we’re here to make sure you get it.
Get Started With Credit Report Disputes Today
