How to dispute information in your credit report

Dear Experian,

How do you dispute something on your credit report?



Dear ONT,

The first step in disputing something in your credit report is to get a copy of your report directly from Experian. You can do so at http://www.annualcreditreport.com/ for your free annual report, directly from http://www.experian.com/ for a fee unless you have been declined based on an Experian report or qualify for a free report for other reasons, or through a subscription credit monitoring service such as http://www.freecreditscore.com/.

If your application is declined, the lender will provide instructions for getting a report from the credit reporting agency that provided the report used in making the decision.

Obtaining a report from Experian through any of those services ensures you have the most recent information in an easy-to-read format. The report will include instructions to contact Experian to dispute anything you believe is inaccurate.

Simply follow those instructions to dispute any information you believe is being reported inaccurately. You will be able to enter disputes online, by telephone or by mail. In most instances, entering disputes online results in the fastest resolution. Experian will communicate your dispute to the creditor that is the source of the information.

While the law allows 30 days for the dispute process and we must allow creditors that long to respond, in many cases disputes are completed with a matter of a week to 10 business days. Experian will notify you of the dispute results when the dispute process is completed.

Thanks for asking.

- The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.