 TITLE: When to Dispute Credit Report Information CONTENT: Items That Are Not Disputable\n-----------------------------\nWhen filing a dispute, make sure you understand which items on your credit report can't be disputed. You have the legal right to dispute most of the information in your credit report, but there is information there that's maintained as a matter of factual record. Credit inquiries, for example, can only be disputed if they are the result of identity theft, and legitimate personal information such as your name and address cannot usually be disputed.\nInformation that is factually correct is unlikely to be removed. You may flinch at your credit card account balance, or you may have a very good reason for being late with your loan payment—but as long as these items are factually correct, they're not really disputable.\nYour credit score, while not something that's included on your credit report, is also not negotiable. Credit scores are based on the information in your credit report, and are not calculated by the same companies that maintain your reports. The items on your report that affect your credit score can be disputed, but the score itself cannot be. If you feel your credit scores need a lift, learn how those scores are calculated and take action to improve them. END