Your credit report will have a section for the information that negatively impacts your score. Ensure that all of the information in this section is accurate and from your accounts.
Credit bureaus have 30 days to respond to a dispute – or 45 if they need additional information.
If you decide to file the dispute, the burden of proof is on the credit bureau. If they cannot verify the information hurting you, they have to remove it.
You can file again and provide additional files for your case. Be careful, though, because if you resubmit with the same information, you’ll likely get denied.
If you get rejected again, you can file a complaint with the Consumer Financial Protection Bureau. They’ll start an investigation into your case, but the 30-day deadline won’t apply.