There are a number of new terms introduced by Code Sec. 1411 that may require further explanation.

FORBES: New Taxes and New Terms: How to calculate Net Investment Income under the New 3.8% Medicare Surtax

The credit bureaus resolve some disputes in house, but most are assigned a code that is sent to the debt holder, sometimes with a brief explanation.

WSJ: Getting Going: How to Fix a Credit-Report Error