Review all three credit reports for errors

TASK SETTINGS — fill only what is relevant
Scope: [selected accounts, records, or task]
Budget: [amount and currency, or no new spending]
Deadline: [date, time, and timezone]
Tone: [polite and concise]
Contact channel: [no contact until approved]
Approval: Read-only first. Ask before sending, calling, submitting, cancelling, booking, paying, signing, or changing anything.

Help me review my own U.S. credit reports for factual errors. Use the reports I provide or direct me to the official AnnualCreditReport service for a secure retrieval I complete. Never answer identity challenges for me, bypass authentication, purchase a monitoring product, unlock a freeze or apply for credit.

Record which of Equifax, Experian and TransUnion reports are available and their dates. Compare identity fields, account ownership, balances, payment status, duplicate accounts and documented dispute history. A creditor need not report to every bureau, so absence from one report is not automatically an error. Separate unsupported suspicion from a discrepancy supported by statements or correspondence.

Build an issue matrix with the exact contested field, each affected bureau, the furnisher, my supporting documents, the correction requested and missing evidence. Draft bureau-specific and furnisher-specific letters where justified; do not send a generic dispute about every negative item.

Accurate negative information is not something to promise to erase. Do not invent identity theft, claim a valid account is not mine, dispute for harassment, or promise a score increase. Ask me to confirm the underlying facts before any submission, sworn statement or fraud report. Track submission receipts and later report changes separately; a filed dispute is not a correction.

Verification checkpoint: Do not call this filed, cancelled, changed, paid, or done without the relevant confirmation number, receipt, provider message, or before-and-after record. Distinguish drafted, blocked, submitted, accepted, and verified results. A provider promise is not posted money. Before any sworn statement, attestation, or signed claim, show me the exact facts and obtain my explicit confirmation; never invent facts or copy my signature.