Maintaining credit report accuracy helps to keep your credit healthy and up-to-date.
If there are any inaccuracies listed on your credit report there are two steps to follow in order to correct the inaccuracies.
Step 1: Contact the creditor associated with the account
You should begin the dispute process by contacting the creditor responsible for the inaccuracy.
You can find the contact information for each of your creditors on this credit report.
Your financial institutions will be able to correct most minor errors over the phone and will prevent them from recurring.
Step 2: Contact each of the credit reporting agencies
Use the following links and information to help disputing inaccuracies with:
You can quickly and easily dispute online with TransUnion.
Dispute an item
You can also file a dispute via mail.
2 Baldwin Place
P.O. Box 2000
Chester, PA 19022
You can dispute certain items online with Equifax, if you have an active Equifax credit report file number.
You can also file a dispute with Equifax via mail.
P.O. Box 740241
Atlanta, GA 30374-0241
You can dispute online with Experian.
What happens after a dispute has been filed?
When TransUnion receives your dispute request, typically we will contact the data provider or source that provided us with the information. That source will have 30 days - in some cases up to 45 days - to investigate your dispute and verify whether the information reported is correct.
When you have a dispute pending, it's best to wait to apply for credit. This will ensure that the most current credit report is available for a creditor or lender to review when making a credit-related decision.
Wait for the Results
If the data provider or source cannot verify the information, it will be corrected or removed from your credit report. Otherwise the information will be updated as instructed by the data provider.
Getting your response or update
- Online Submission: If the investigation was initiated online, you will be notified via email and can view the results of the investigation immediately. Note that if you login to check your dispute status during the process, you will see the original, uncorrected version of your credit report - the version that was generated when you filed the dispute.
- Phone or Mail Submission: If the investigation was initiated by phone or mail, a credit report reflecting the results of the investigation will be sent via first-class U.S. mail. Please allow three to five business days from the time we complete our investigation for mail delivery.