Dispute Errors on Your Credit Report
Your credit report pulls together information about your credit history, such as your total outstanding debt and if you repaid your debt on time, where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
It's important to be sure everything reflected on your credit report is correct as it is used to evaluate your applications for credit, insurance, employment or renting a home. You can request your free credit report annually at www.annualcreditreport.com. If you notice any errors on your report, dispute them with the credit bureaus.
How Credit Report Disputes Work
- You initiate the dispute by contacting the involved credit bureau and the lender directly. See contact information below.
- If you report an error to any of the consumer reporting agencies, they are required to investigate and respond to you within 30 days.
- If you are in the process of applying for a loan, immediately notify your lender of any incorrect information in your report. Your lender will need to reorder your credit report(s) and score once any changes have been made to your information at the consumer reporting agencies.
For more information about how to dispute credit report errors, please see the step-by-step guidelines, including a sample dispute letter, on the Federal Trade Commission website.
Credit Bureau Contact Information
Experian – 888.397.3742
TransUnion – 800.916.8800
Equifax – 800.685.1111