Adding a statement to your credit report

Dear Experian,

Is there a maximum limit of characters for a consumer to add a personal consumer statement to their credit report?



Dear FIS,

You can add a statement of up to 100 words to your credit report.

Experian encourages you to add a “statement of dispute” if you disagree with the decision of a lender after disputing an item that appears in your credit report. A statement of dispute enables you to explain why you disagree with the lender. However, I encourage you to work closely with your lender to resolve your dispute if at all possible. Adding the statement should be a last resort.

To add a statement you must first obtain your personal credit report. You can purchase a report or subscribe to Experian’s TripleAdvantage credit monitoring service at You can also obtain a free report once very 12 months at You can also request a free report if you have had adverse action taken within the last 60 days by following the instructions provided by the business that took that adverse action.

Your personal report will include instructions to contact Experian in order to initiate a dispute or add a statement to your credit report.

The statements should be as specific, direct and concise as possible. For example, “This account was never late.”

Adding a statement using Experian’s secure online system is easy. You will be given a choice of prepared statements that cover almost every issue. Simply select the statement that applies to your situation. Your report will also include instructions to call for assistance if you prefer to do so.

Thanks for asking.

- The “Ask Experian” team

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