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For the easy consumer solution, you can go to freecreditreport.com and contest certain information via the web.

Oftentimes, they give you the phone number and you can write the company who made a mistake a letter.
Make sure the letter is certified so you know who signed for it.

In reality, if you contest anything on your credit report (even if it IS true) the burden of proof is on the creditor to prove you owe or don’t owe.

That is why creditors often settle – it’s better to get something than nothing.

You are also entitled 1 credit report each year without having to pay for it.
They want you to pay, so make sure you don’t pay for your credit report.

In short, request your credit report (either via web or phone)

Once you have your credit report, get the contact information.
Write a letter, call, and wait 30 days.

Hope that helps. Please feel free to leave comments or additions to this with relevant links.