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How to Dispute a Credit Report Error
How Common are Errors?
The Federal Trade Commission estimates that 1 in every 5 people has an error on their credit report, while some of these errors are minor others can have a significant impact on your credit, making it difficult to even access your credit report. If you’ve found an error on your report or are having difficulty accessing your report, follow these steps! Remember, the credit bureaus have up to 30 days to investigate your dispute and respond back with their findings and resolution.
What to Include in Your Dispute
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Incorrect Personal Information: Such as your name, address, date of birth or social security number.
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Unfamiliar Accounts: These can be accounts fraudulently opened in your name or belonging to someone else.
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Incorrect Account Information: Accounts reporting as open that are closed, incorrect payment history, incorrect balances and/or limits and duplicate accounts.
How Common are Errors?
-
Incorrect Personal Information: Such as your name, address, date of birth or social security number.
-
Unfamiliar Accounts: These can be accounts fraudulently opened in your name or belonging to someone else.
-
Incorrect Account Information: Accounts reporting as open that are closed, incorrect payment history, incorrect balances and/or limits and duplicate accounts.
What to Include in Your Dispute
Equifax
Phone: (888) 378-4329
Online: Submit a Dispute Here
Mail: Equifax Information Services LLC
P.O. Box 740256, Atlanta, GA 30348
Experian
By Phone: (888) 397-3742
Online: Submit a Dispute Here
Mail: Experian P.O. Box 4500, Allen, TX 75013
TransUnion
Phone: (800) 916-8800
Online: Submit a Dispute Here
Mail: TransUnion LLC Consumer Dispute Center P.O. Box 2000, PA 19016
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