Find the credit report errors that need attention.
From duplicate accounts to wrong balances or accounts that are not yours, we review the details across your reports and help organize a fact-specific response.
Credit report errors can involve account ownership, balances, payment history, dates, duplicate entries, or personal information mixed with someone else's. We compare what each bureau reports with the records you have so a dispute points to the actual mistake.
For example, a transferred account and its replacement can both appear without being an improper duplicate. We check status and balance details before deciding whether the reporting is inconsistent.
Accounts or inquiries that do not belong to you
Duplicate entries or conflicting balances
Incorrect account status, dates, or payment history
Personal information associated with another person
Our done-for-you review and dispute process
Have your current reports prepared for the consultation. We will examine them with you, identify items worth documenting, and explain which records may support each issue. When a dispute is appropriate, we help organize the submission and review the response.
A dispute may result in verification, correction, an update, or deletion, depending on the investigation. We do not guarantee a particular outcome or dispute accurate information simply because it is negative.
When the problem may involve identity theft
If an account or inquiry is not yours, mention that during the consultation. Identity theft may call for additional steps beyond an ordinary reporting error, including reporting the fraud and protecting access to your credit files. We can help you understand the information to gather, while you retain control over any identity theft report or account access.
COMMON QUESTIONS
What to know before getting started.
What should I have ready for the consultation?+
Have access to your current credit reports and any relevant statements, payment records, or creditor letters. We will review the details with you.
Does a duplicate-looking account always have to be deleted?+
No. Some accounts legitimately appear as an original account and a collection or as a transferred account and successor. We check whether the actual reporting is inaccurate.
Can I dispute an error directly for free?+
Yes. You can dispute inaccurate information yourself with the credit bureaus at no cost. OAS provides a managed service if you want help reviewing and organizing the process.
YOUR NEXT STEP
Let’s review your credit together.
Book a free 10-minute call and get clear on what may be affecting your reports.
