You are going to create your action plan to dispute the credit bureaus. Let’s go through the dispute process in detail. The steps in your credit dispute action plan are: Study the Fair Credit Reporting Act (FCRA) to understand what types of items can be disputed. Review your credit report for any inaccuracies that can be disputed. Decide which dispute technique you will use: Debt settlement, direct dispute (alone or with a credit repair advisor), or suing the credit bureaus. Create a system to keep track of ongoing correspondence with the credit bureaus. Begin sending dispute letters to credit bureaus. Make sure to send all letters via certified mail with return receipts and more.