How long does negative information stay on your credit report?
Most negative marks (like late payments or charged-off accounts): Up to 7 years
Bankruptcies: Can remain for up to 10 years
If you notice inaccurate information on your credit report, it’s important to dispute it directly with the credit bureaus.
How to Dispute Atlas-Related Errors
If the mistake is related to your Atlas account, we can help.
Step 1: Email us at [email protected]
Step 2: Include details of what you're disputing and why
Step 3: Our team will walk you through the next steps
FAQs
Q: Can Atlas fix errors on my credit report?
A: If the error is tied to your Atlas account, we can help investigate and correct it. For other items, contact the credit bureau directly.
Q: How long does it take to resolve a dispute?
A: It varies, but investigations typically take 30–45 days.
Q: Will filing a dispute hurt my credit score?
A: No—disputing inaccurate information does not negatively impact your score.