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. It took me about five minutes total. But the actual idea of poring over my credit report, highlighting it for mistakes, and then contacting the credit bureau to get any errors fixed is about as appealing as spending a Saturday afternoon getting my wisdom teeth pulled. Send copies, not originals, of supporting documents. Regularly monitoring your free report can give you an early warning of potentially score-damaging problems.
How to Dispute Credit Report Information 2 min read We provide several ways to dispute information on your credit report. When you select a reason you will see detailed information about the specific reason you are selecting. The Dispute Center contains content and education to help you understand the dispute process. Full disclosure: I'm an Experian employee. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Please note that information verified as accurate cannot be removed from your credit report.
But I was pleasantly surprised by how easy the process has been with Experian's dispute center , which offers a new, intuitive online and mobile interface that makes it shockingly easy to file a dispute and get it corrected quickly. Choose the reason for your dispute from the drop down menu, and select next to add a comment. You'll be required to authenticate your identity with your Social Security number and other personal information to access your credit report.
I can also expect to receive alerts about the status of my dispute. You can also view your dispute alerts in the main "Alerts" section of the Dispute Center. Once there, you can click on the "Start a new dispute" button to initiate the process. Choose the reason for your dispute from the drop down menu, and select next to add a comment.
If the creditor, lender or furnisher of the information is unable to refute or claim or fails to respond, the information will be removed from your report. It is an accurate representation of the information being reported as in your creditors' files. All rights reserved. XB is a code used on credit reports to indicate that a particular account is currently being disputed.
I can also expect to receive alerts about the status of my dispute. Generally all disputes are resolved within 30 days. Individuals can just scroll through their information and click an item on their credit report to start the dispute process—all from the same screen. Can I dispute by phone? These steps will help you to complete the process: Start a New Dispute from the Dispute Center The Experian online Dispute Center is your source for correcting information on your report that you believe to be incomplete or inaccurate.
Advertiser Disclosure: The credit card offers that appear on this site are from third party companies "our partners" from which Experian Consumer Services receives compensation, however, the compensation does not impact how or where the products appear on this site. If you already have a paper copy of your report from Experian, and you want to contact us to get assistance with your dispute, call the number on your Report and reference the report number near your name on your paper report to get quicker access.
What I really loved about the process was that I could securely submit supporting documents directly online on the next screen. Plus, you will receive a notice from Experian indicating the outcome and what information was removed. The package should be mailed to: Experian P. While maintained for your information, archived posts may not reflect current Experian policy. Box , Allen, TX
To request a copy of your personal credit report to be delivered by U. The interface flags "potentially negative" items that you may especially want to review to make sure they are accurate. Experian can assist you with protecting your credit history and having fraudulent information removed. When you select a reason you will see detailed information about the specific reason you are selecting. When you have the report in hand, you can call the number listed on the report to submit your formal dispute.
Join our live video chat every Tuesday and Thursday at p. Bottom Line You should make a conscious effort to review your credit data regularly. You can also call Phone To submit a dispute by phone please call the number displayed on your credit report to speak with an agent.