If an error is found on a youth’s credit report, it will need to be disputed with each of the credit bureaus at a minimum, and possibly the creditor or company that reported the information. Please follow the steps below to dispute with the credit bureaus:
*If the youth you are working with is currently over 18, but the accounts in question were opened prior to their 18th birthday, use the instructions for Under 18.
The FTC offers resources on how to handle disputes: Disputing errors on your credit report.
Additionally, the CFPB provides information for Child Welfare Agencies relating to what to do if there is an error on a credit report for a youth in foster care along with a resource on how to help youth in foster care start and maintain good credit.