If something looks off on your credit report, here’s how to fix it.
Step 1: Check your report
Review for errors like:
Wrong name, address, or SSN
Accounts you didn’t open
Incorrect statuses (e.g. “delinquent”)
Duplicate listings
You can get a free credit report from Experian, Equifax, and TransUnion once a year via AnnualCreditReport.com.
Step 2: Gather supporting documents
This helps support your case. Include:
Proof of payment or account closure
Correct personal documents (e.g., ID or utility bill)
Step 3: File a dispute with the bureau(s)
Only contact the bureau where the error appears. Here’s how:
| Experian | TransUnion | Equifax |
Online | |||
Experian P.O. Box 4500 Allen, TX 75013 | TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 | Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 | |
Phone | 1-855-414-6048 | 1-800-916-8800 | 1-888-378-4329 |
Step 4: Track your dispute
You’ll get a confirmation and a tracking number. Use it to check your status through the bureau’s website or via email.
Step 5: Review results & follow up
Most disputes are resolved within 30 days. You’ll receive a report showing:
Any corrections made
What to do next, if needed
If not resolved, you can add a personal statement to your report explaining your side.
FAQs
Q: How long do disputes take?
A: Most are resolved within 30 days, but complex cases can take longer.
Q: Will disputing something lower my score?
A: No—but fixing errors can improve it if they were dragging your score down.
Q: Can I dispute more than one item?
A: Yes—just be sure to include the right documents for each.