How to Dispute Errors on Your Credit Report
A step by step guide to challenge errors on your Credit Report.
1. Get your free credit reports and review for erroneous informationGo to annualcreditreport.com. and print off and save the entire credit report from each of the three major credit reporting agencies (not your credit score) these are legally known as "consumer reports".
2. Send a dispute letter to each credit reporting agency that is reporting the erroneous informationDispute errors on your credit report by sending each agency reporting the erroneous information a dispute letter based on the Federal Trade Commission's sample (FTC) complaint letter. The sample complaint letter can be found on the FTC website and at annualcreditreport.com. Make copies and include of any supportive documentation and mail your dispute to each credit reporting agency reporting the error(s). Keep copies of all letters and documentation. Mail your dispute letter & enclosures via certified mail, return receipt to:
Trans Union, Consumer Disclosure Center, P.O. Box 2000, Chester, PA 19022-2000, Phone: (800) 916-8800
Equifax, Complaint Department, P.O. Box 740256, Atlanta, GA 30374, Phone: (888) 873-5420
Experian, NCAC, 701 Experian Parkway, Allen, TX 75013, Phone: (800) 583-4080
3. Dispute incorrect information with the CreditorContact the creditor (furnisher) of the inaccurate information. Use the FTC's sample complaint letter to use to dispute inaccurate information with creditor(s) providing the information.
4. Wait for responseThe credit reporting agencies must investigate the dispute and report their conclusion. Thirty (30) days after the dispute is initiated, credit reporting companies are required by law to provide consumers with the results. The results should be accompanied by a free credit report. If the dispute is not resolved, contact an Attorney who practices in the area of the Fair Credit Reporting Act as you may have a possible case to sue for damages.