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this is a very clear presentation of a 623 dispute so far as how the law applies to such a situation. I hope that others will find this helpful... 623 Dispute Method When the conventional method of disputing an inaccuracy on your credit report fails to yield results, the 623 dispute method may be a viable alternative to getting erroneous or unconfirmed information removed from your report. The 623 dispute method allows you to dispute any inaccurate information on your credit report directly with the original creditor. A 623 dispute does not work in the same way as a traditional disput