Credit Errors | How To Dispute Your Credit Report

Paid Credit Monitoring Service Links:
Experian Credit Monotiling
CreditWise®, Experian free credit monitoring
IdentityForce® UltraSecure and UltraSecure+Credit

The Consumer Financial Protection Bureau (CFPB)

Sample Dispute Letter

Here’s how to submit a dispute with the three credit bureaus:
By mail: Download the FTC dispute form
Mail the dispute form with your letter to:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348
By phone: (866) 349-5191
By mail: Download the dispute form
Mail the dispute form with your letter to:
P.O. Box 4500
Allen, TX 75013
By phone: (888) 397-3742
By mail: Download the dispute form
Mail the dispute form with your letter to:
TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
By phone: (800) 916-8800
You may also want to dispute the error with the company that provided the information to the credit bureau, known as the “furnisher.” This may be a credit card issuer or bank. You can send a letter to the furnisher or contact them by phone.

Know These Things Before You Dispute
What happens when a dispute is filed?
The credit bureau will ask the source of the information to check their records, and then one of three things will happen:
Incorrect information will be corrected
Information that cannot be verified will be updated or deleted
Information verified as accurate will remain intact on your credit report
This can take up to 30 days, and the credit bureau will contact you with the results of their investigation.
Is it better to dispute, or to contact the original company?
When you dispute, the credit bureau only asks the source of the information to check their records. If that company’s records are incorrect, then the credit bureau won’t know to fix anything. Many people found a lot of success by contacting the original company directly.
Does filing a dispute impact credit scores?
Filing a dispute has no impact on your score, but if the dispute is accepted and information on your report changes, it might. It depends on what you are disputing.
What can be disputed?
You can dispute any of your personal information, account information, or legal record information. Inquiries are not disputable unless they are considered fraudulent. If you have a fraudulent inquiry on your credit report, please visit the dispute center.

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