How can you effectively spot and fix errors on a credit report, and what is the dispute process?

• A. Review for inaccuracies; gather supporting documents; file a dispute with the bureau; they investigate (typically 30 days) and correct if needed.
• B. Review for inaccuracies only after a year and wait for the next cycle.
• C. Contact the merchant directly and bypass the bureau dispute process.
• D. Request a manual override from the lender without disputing.

Answer: (A)