How to file a dispute with credit bureaus
If you notice an error on your credit report, follow these steps to fix it:
Step 1: Review your credit report for errors
Look for common mistakes, such as:
Incorrect personal details (name, address, Social Security number)
Accounts you don’t recognize
Incorrect account statuses (e.g., marked as “delinquent” by mistake)
Duplicate accounts
You can get a free credit report from each of the three major credit bureaus—Experian, Equifax, and TransUnion—once every 12 months through AnnualCreditReport.com.
Step 2: Gather supporting documents
Collect evidence to back up your dispute, like:
Statements proving payments or account closures
Documents with correct personal information
Step 3: File a dispute with the credit bureaus
Contact each bureau where the error appears:
Experian
Online: Visit Experian’s Dispute Center
Mail: P.O. Box 4500, Allen, TX 75013
Phone: 1-888-397-3742
Equifax
Online: Visit Equifax’s Dispute Center
Mail: P.O. Box 740256, Atlanta, GA 30374
Phone: 1-866-349-5191
TransUnion
Online: Visit TransUnion’s Dispute Center
Mail: P.O. Box 2000, Chester, PA 19016
Phone: 1-800-916-8800
Step 4: Submit and track the dispute
You’ll receive a confirmation and tracking number. Use the bureau’s online tools or emails to monitor the progress.
Step 5: Review the results
Bureaus complete investigations within 30 days. They will notify you of the results, including:
Any corrections made
Next steps if needed
If unresolved, you can add a personal statement to your report explaining your dispute.
Frequently Asked Questions
How long does a dispute take?
Most are resolved within 30 days, but complex cases may take longer.
Does filing a dispute affect my credit score?
No, but your score may change if corrections are made.
Can I file multiple disputes?
Yes, but include proper documents for each to ensure success.
Filing a dispute may feel daunting, but it’s a valuable step toward keeping your credit report accurate and your financial health in check.