How can you dispute information on your report that is inaccurate?

If you already have a credit report, you can dispute online for fast resolution. Alternatively, contact them at the phone number on your report. They cannot accept disputes via email or phone. If you have a document that you would like to submit to substantiate a dispute regarding the information on your personal credit report, mail it to the address displayed on your credit report the from Consumer Assistance Center are on credit bureau’s website.

Attached to your email are three different templates. I have created on your behalf that you may use should you choose to mail the below agencies a letter. Be sure to send all proof of payment or lien satisfaction letters with the attached letter, sign, date, and mail it. You will need to use Microsoft Word Processing to alter each letter to your individual situation as these are ONLY templates and not tailored to you specifically. Then check your credit report in 30 days to see if it has been removed or call the credit bureau at the phone numbers I have provided for you.


Equifax,
http://www.equifax.com
1-800-685-1111
Fraud Hotline: 1-888-766-0008

Mail correspondence to Equifax:
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374

Experian,
http://www.experian.com
1-888-397-3742
Fraud Hotline: 1-888-397-3742

Mail correspondence to Experian:
Experian
P.O. Box 4500
Allen, TX 75013

Online:
http://www.experian.com/corporate/personal-services-contacts-faq.html
• and Hotline: 1-800-680-7289
TransUnion,
http://www.transunion.com
800-916-8800
Monday - Friday
Hours: 8 am – 11 pm EST
closed on major U.S. holidays

Mail correspondence to TransUnion:
TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

Online:
https://dispute.transunion.com/dp/dispute/landingPage.jsp
Request your free credit report online or by calling 1-877-322-8228.

For details on how to do this, see Disputing Errors on Credit Reports

Use our sample letter to help write your own