How To Dispute Your Credit Report
With Experian, Transunion, & Equifax
You’re probably reading this page because you have some negative
information on your credit report that you’d like to dispute. Regardless
of whether your issue is a late payment, a collection account, incorrect
balance, or some other reporting problem, you can submit a dispute directly
to the credit bureaus to have the notation investigated. Disputes can
be made by phone, mail, or online.
The first step is to
obtain your free credit report. Next, you need to identify which credit bureau is reporting the adverse
information – Experian, Equifax, or Transunion. You would submit
your dispute to whichever bureau is reporting the problematic information.
If all three bureaus are reporting the errenous data, then you would submit
disputes to all the bureaus separately.
To dispute your credit report online, you can use these links:
Upon receiving your dispute, the credit bureau will conduct an investigation
and will attempt to confirm the validity of the information with the data
furnisher. If the information cannot be verified, it may be deleted. The
bureaus will usually respond to disputes within 30-days, oftentimes even sooner.
If you need help repairing your credit report, call our attorneys at us
at (888) 301-0584 or
schedule a free evaluation.