How to read the results of your credit report dispute


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So, you’ve disputed an item on one of your credit reports, and now you’ve gotten your response. Now what? These tips about how to read the results of your credit report dispute can help.

1. Decoding the terminology 

First of all, it’s important to understand the terminology you might find in the results of your credit report dispute. Each credit reporting company can use their own phrases, and here are some terms to look out for:

  • The credit reporting company deleted the disputed information. You might see the terms “information deleted,” “deleted,” or “processed” in your credit report dispute results.

  • The credit reporting company corrected the disputed information. You might see the terms “information updated,” “updated,” or “processed” in your credit report dispute results.

  • The credit reporting company said the disputed information is accurate. You might see the terms “verified as accurate” or “remains.”

  • The credit reporting company said the disputed information is accurate and updated your report. You might see the terms “verified and updated” or “verified as accurate and updated.”

  • The credit reporting agency deemed the dispute “frivolous.” This can happen when a credit reporting company thinks the dispute is identical to a previous dispute, or if there was missing information that would have been necessary to process the dispute. If the dispute is deemed frivolous, the dispute process will not move forward from there.

2. Figuring out next steps

Once you understand the terminology, you’ll likely want to know what you should do next. If you’re happy with the results of your credit report dispute, then there’s most likely nothing else you need to do.

However, if you still think the report has inaccuracies, you have the option of filing a “statement of dispute.” This is a statement that can be put on your credit report that describes the information you’re disputing. You can add a statement of dispute through the credit reporting company showing the error.

Finally, if your dispute was deemed frivolous, you could re-file the dispute with the proof you weren’t able to include the first time.

Remembering the purpose of a credit report dispute

When all is said and done, it’s important to remember the purpose of disputing your credit report. The purpose of disputing a credit report is to correct inaccurate or out-of-date information. The purpose is not to clean up negative items that you wish to have removed from your credit report.

According to the Fair Credit Reporting Act (FCRA), consumer reporting agencies must “adopt reasonable procedures” that are “fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.” 

What’s more, if the consumer finds inaccurate information on their report, the consumer reporting agency must:

“ … free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file … before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.”

What all this means is that the FCRA has outlined a right for consumers to have fair and accurate credit reporting. The FCRA also empowers them with the ability to dispute inaccurate information. Although the FCRA does not outline a right to have accurate negative information removed from your credit reports, positive borrowing behavior and time can diminish the effect of negative items. 

You don’t have to stop here

Credit reports are dynamic documents that are typically updated at least once a month. That’s why checking your reports regularly after a dispute can be an important tool in solving issues quickly.

Reviewing your credit reports helps you spot mistakes quickly if they happen, as well as signs of potential identity theft. In other words, this simple act is one that can help you protect your financial health in more ways than one. A little bit of time can go a long way in obtaining accurate credit reports.

This article originally appeared on and was syndicated by

Featured Image Credit: iStock/Ridofranz.