Facts don’t lie—but credit bureaus sure can. Factual Disputing is our weapon of choice for slicing through credit report errors like a boss. No fluff. No federal code quoting. Just real results, real fast. Your credit report deserves the truth—and so do you.
What Is Factual Disputing and Why Does It Matter?
Factual Disputing is the most effective and straightforward credit repair strategy we use at Better Report™. Unlike other approaches that rely on complex legal jargon or compliance formats, factual disputing is based on the simple idea of challenging credit items using real, provable facts. It’s about examining every detail of your credit report, line by line, and identifying the inaccuracies, inconsistencies, or unverifiable data that shouldn’t be there. Credit bureaus are required to maintain accurate records—and when they don’t, that’s where we step in. This isn’t theory or litigation—it’s fact-based firepower that gets results.
How It Works – A Step-by-Step Breakdown
The Factual Disputing process starts with a deep-dive audit of your credit report from all three major bureaus—Equifax, Experian, and TransUnion. We meticulously comb through each tradeline, looking for factual errors such as incorrect balances, wrong dates, duplicate accounts, misreported late payments, or accounts that don’t even belong to you. Once we identify the issues, we gather support documentation and craft a dispute that directly addresses the specific inaccuracy, not just the account in general. Each dispute is tailor-made, ensuring that the creditor or bureau must provide hard proof to support their claim—or remove it.
Why This Method Works (and Keeps Working)
Credit bureaus and data furnishers rely on automation. That means your credit report is often populated and updated without a real human double-checking the information. Factual Disputing throws a wrench in that process. By forcing them to verify the exact details of a claim, we take them out of automation mode and into investigation mode. If they can’t back up the data with hard evidence within 30 days, they’re required by law to delete or correct it. That’s not a loophole—it’s a regulated consumer right. What we do is hold them accountable using the facts they’ve mismanaged. It’s not fancy. It’s just effective.
What We Look For When We Dispute
Every error is an opportunity—and we know exactly where to look. Some of the most common issues we uncover include mismatched personal information, incorrect account statuses (like a charged-off debt listed as open), outdated balances, and inconsistencies between reports from different bureaus. Even the smallest mistake—like a payment reported one day late instead of on time—can affect your credit score significantly. Our app uses these tiny facts to build a big case. And let’s be real: your score shouldn’t suffer because someone can’t type a date correctly.
What You’ll Experience Using Better Report™
Once you sign up for Better Report™, the entire process is simplified. You connect your credit reports through our secure system, and our software flags potential factual disputes within minutes. But we don’t just rely on automation—we pair you with real credit repair experts who double-check every dispute and guide you through the entire process. You can view your dispute history, track responses from bureaus, and even upload supporting documents right from your phone. It’s like having a forensic accountant, private investigator, and personal assistant rolled into one sleek dashboard.
The Results You Can Expect
Factual Disputing doesn’t promise miracles—but it does deliver measurable results. Clients typically start seeing updates within 30–45 days, depending on the complexity of their case and responsiveness of the credit bureaus. Many experience deletions of unverifiable accounts, score increases of 50 to 150 points over time, and a clearer path to qualifying for better credit cards, loans, and home ownership. More importantly, you gain control over your financial story again. This process doesn’t just fix errors—it restores confidence.
Take the First Step Today with Better Report™
At Better Report™, we’ve built our reputation on factual disputing—and we’ve helped thousands of professionals just like you reclaim their credit with precision and transparency. Our team knows what to look for, how to say it, and who to send it to. Don’t get lost in the weeds of consumer law or techy compliance templates. Stick with facts. Stick with experts. Call us at 1 (855) BETTER-1 and talk to a real specialist today. Even better, your first dispute is FREE when you use our app at https://my.better.report. You’ve waited long enough. Let’s make your report better.