dispute inaccurate credit information

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If you spot an error on your credit report, like a payment listed as late when it was on time, you can dispute that inaccurate information directly with the credit bureau. This usually involves filling out a form online or mailing a letter explaining the mistake, along with any proof you have, like a bank statement or receipt. The bureau then has 30 days to investigate and correct it, which can help boost your score if the error was dragging it down. It's a straightforward way to make sure your…