Back to toolsCredit Report Audit ChecklistReview your reports before disputing so you send focused, fact-based letters instead of guessing.Name, address, and date of birth are correctNo unfamiliar addresses or employersEvery open account belongs to youBalances and limits look currentNo duplicate collection accountsNo accounts marked late incorrectlyNo accounts older than reporting limitsHard inquiries are familiarCollection agency names and amounts match recordsNegative items have dates that make sensePrint checklist Build a dispute letter