When you get a copy of your credit report online and there is an error, you probably dispute it just like it says on the report, right? They tell you right what to do on the report, and you assume it’s being taken care of by the credit bureau. But then six months later you get a notice saying the error stands. The reason is because the credit bureau that sends you the information is not actually doing the investigation. They don’t want to spend the money that the law requires to investigate, so they have another company do it that doesn’t really look into the matter too deeply. So, what you have to do is initiate the dispute process first and then contact the company that listed the false information. You must tell the company that you have talked to the credit bureau and you want it removed. If you do those two things, you greatly improve your chances of having the error removed. Often, the error will appear because of an ID theft. In that case, you’ll usually be required to provide some type of affidavit that it was not you. If you have to submit a “redispute,” you need suppression technology that keeps the item from reappearing on the report. But you need to make sure you get it off there. An error on your credit report can eat you up financially.