The Professional Way to Dispute Credit Report Errors

Challenging an error on your credit report is a legal process governed by the National Credit Act (NCA). A successful outcome depends on a professionally managed dispute, which is the core of our service at Dispute It. An amateur attempt can lead to the bureau rejecting your claim.

Here is the expert process we follow for our clients:

Step 1: Forensic Identification of Inaccuracies

First, our trained analysts and proprietary software conduct a forensic review of your credit report. We identify all potential errors, including:

Accounts that don't belong to you (potential fraud).
Incorrectly reported late payments.
Closed accounts still showing as open.
Inaccurate balances or credit limits.
Paid-up judgments that have not been rescinded and removed.
Illegal listings of prescribed debt.

Step 2: Strategic Evidence Gathering

We don't just tell the bureau something is wrong; we prove it. We work with you to gather a file of irrefutable evidence. This may include:

Bank statements or proofs of payment.
Professional paid-up letters from creditors, which we can help obtain.
Court-stamped judgment rescission orders, which our legal team procures.
A formal police affidavit for fraudulent activity.

Step 3: Formal Dispute Lodgement

This is a critical step where expertise matters. We log a formal, legally-sound dispute directly with the relevant credit bureau (TransUnion, Experian, or XDS).

We use the bureau's required channels.
We cite the specific sections of the NCA that have been violated.
We present the evidence in a clear, organized manner.
We obtain and track a formal reference number for your case.

Step 4: The 20-Day Investigation Management

Once the dispute is lodged, the bureau has 20 business days to investigate.

Our team monitors this process closely. We ensure the bureau contacts the credit provider for verification.
The law states that if the provider cannot verify the information, the bureau must remove it. We hold them to this standard. Our persistent follow-up prevents your case from falling through the cracks.

Step 5: Enforcing the Outcome & Escalation

If Successful: We verify that the incorrect information has been permanently removed and that your credit score has been recalculated. We provide you with the updated report.
If Unsuccessful: A rejection is not the end of the road for us. If the bureau's decision is incorrect, we immediately escalate the case to the National Credit Regulator (NCR) or the Credit Ombud, presenting a formal complaint on your behalf. We manage this entire escalation process for you.

This professional, persistent, and legally-grounded process is why our success rate is so high. Don't leave it to chance; let the experts at Dispute It handle your case.