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How do I dispute something on my credit report?

How do I submit my dispute?

To submit a dispute to a credit reporting company, contact the credit reporting company who has the inaccurate information on your credit report. You may submit a dispute with each of the credit reporting companies over the internet or by mail.

Online:

Equifaxhttps://www.equifax.com/personal/credit-report-services/credit-dispute/
Experianwww.experian.com/acrdispute
TransUnionhttps://dispute.transunion.com

Mail:

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Experian
P.O. Box 9701
Allen, TX 75013

TransUnion
P.O. Box 2000
Chester, PA 19016

 

You may also submit documents in support of your dispute. Documents may be uploaded for online disputes or submitted by mail. When mailing documents, please only submit copies of documents and not originals. Documents will not be returned to you following the investigation.

To submit a dispute with a business:

• Contact the business directly. The contact information for that business should be included on your credit report or monthly billing statement.

The Federal Trade Commission’s website has more information on correcting your credit report, and the Consumer Financial Protection Bureau’s website also provides additional information on disputing information on your credit report as well.

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