Your credit report is one of the most important documents in your financial life — and if it's inaccurate, outdated, or incomplete, it’s costing you. The good news? Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any incorrect or unverifiable information. At Credora, we’ve helped thousands of people remove negative items using our AI-driven dispute engine — and today, we’re revealing what to look for first.

Here are 7 common credit report items you can dispute:

1. Collections (especially sold or outdated ones)

2. Charge-offs or closed accounts

3. Late payments beyond 7 years

4. Duplicate accounts

5. Identity theft-related entries

6. Inaccurate personal information

7. Hard inquiries without your consent

Conclusion:
You don’t have to live with a damaged credit report. With Credora, you can identify, target, and remove the items holding you back — all backed by smart AI tools and real-time results.