The first step is to obtain your credit reports from all three major credit bureaus: Equifax, Experian, and TransUnion. You can do this for free annually at AnnualCreditReport.com. Carefully review each report to identify the specific inaccuracies. Once you’ve identified the errors, you should prepare a written dispute letter to each credit bureau that is reporting the inaccurate information, clearly explaining what is wrong and including copies of any supporting documentation. Sending the letter via certified mail with return receipt requested is recommended.