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Topics addressed on January 20, 2010:
Disputing information you believe is inaccurate is a free service
Why do I have to pay to file a dispute?
You don’t. Disputing information you believe is inaccurate is a free service. The first step to disputing information always is to get your personal credit report directly from the credit reporting company. I suspect that may be why you are having difficulty.
If your application is declined or other adverse action is taken, your lender will provide instructions to request a free credit report from the credit reporting company it used. If you have not been declined or had other adverse action taken, you can also get a free credit report from each of the national credit reporting companies once every 12 months under federal law at www.annualcreditreport.com.
The report you receive will include instructions for disputing information both online and by telephone. An Internet address and toll-free telephone number are included in the report. Simply follow those instructions to enter your dispute.
Thanks for asking.
- The "Ask Experian" team