I had a weird unpaid debt listed on my credit reports, some video store I used to go to in college. I guess they thought I had an overdue video? Anyway, they never sent me any notice about it but yet on my credit report it was listed that I never paid Integral Recovers Inc, who also have never contacted me, some $250. So, about three months ago, I filed a dispute notice with TransUnion, the one credit bureaus report it was listed on, and today I got a nice letter saying they deleted the item. It was all very easy, I just went to annualcreditreport.com, checked my credit report, went to the dispute item area, printed out the one-page form, filled it in saying that I was disputing because I never got any notice about the debt, and mailed it all off. Took less than 10 minutes, tops. Be sure to check your credit report from all three credit bureaus at least once a year for errors and file disputes when information is incorrect. Otherwise, your ability to get credit might be unfairly affected. It’s easier and faster than you might think!