Find the errors on your credit report in 30 minutes
Last updated: Sources checked: September 2026
The Error Detection Kit is a free PDF that takes you through your credit reports one section at a time and shows you what to check. It is built for people who have just pulled their reports and are not sure what counts as an error. It takes about 30 minutes per report.
Disputing is free, and you can do it without this kit. The kit saves time. It does not unlock anything.
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What is inside
- Cover. The promise in one line: find the errors on your credit report in 30 minutes.
- Error detection checklist. Seven sections with checkboxes, to run once for each bureau’s report.
- Starter dispute letter. A general inaccuracy letter adapted from the public sample letters of the FTC and the CFPB, with bracketed fields for your details.
- Bureau reference card. The online dispute pages, mailing addresses, and phone numbers for Equifax, Experian, and TransUnion.
- What happens next. The timeline from the day you file to the day results arrive, with the steps open to you if the answer is “verified.”
The seven sections of the checklist
- Personal information. Name spellings, Social Security number digits, current and past addresses, employers.
- Account ownership. Every account is yours, authorized-user accounts are labeled correctly, joint accounts are correct.
- Duplicate accounts. The same debt listed twice.
- Payment history. Every late mark matches your records.
- Balances, limits, and status. Current balances, credit limits, open or closed status.
- Collections and charge-offs. Names, balances, dates, and whether the item is past the reporting period.
- Public records and inquiries. Bankruptcy dates and hard inquiries you did not authorize.
Each section is explained in the most common credit report errors.
What the kit does not do
It does not review your reports for you, and it does not promise that any item will be corrected or removed. Accurate information that is reported correctly generally stays on your report for its full legal period. The kit helps you tell the difference. See what can and cannot be removed.
Get the kit
Free. Unsubscribe anytime. We never ask for card numbers, account numbers, or credit reports. For education only, not legal or financial advice. Dispute Command does not provide credit repair services or file disputes on your behalf.