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Disputing an item on your credit report

How to file a dispute with credit bureaus

Updated over 2 weeks ago

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

Mail

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.

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