Your score affects whether you can borrow money — and how much you'll pay — to borrow money, so you want it to be accurate.

A 609 dispute letter is a formal way to request more information about the accounts on your credit report. Sending a 609 dispute letter may help you remove errors from your credit report ...

To dispute items in a credit report, contact the three major bureaus, formally dispute these items and send in supporting documents.

CNBC Select chooses the best credit repair companies that can help you dispute incorrect information and raise your score.

Chaitoff sent Experian, Ocwen's credit reporting agency, two dispute letters, which Experian allegedly forwarded to Ocwen.