Contact your lender to make sure account is closed before initiating a dispute

close-up of human hands cutting a credit card by scissors


Dear Experian,

How do I dispute an account on my report? Experian is showing an account open that has been closed for two years.

-  SCH


Dear SCH,

In this case, I recommend that you first contact the creditor directly to make sure they have actually closed the account. If they are continuing to report it to Experian as open, then it is likely still open in their records and your dispute through Experian may not change that status.

Once it is closed in their records, it will automatically be reported as closed to Experian and to any other credit reporting agency to which they provide their account data.

If for some reason it is still reporting as open, you can dispute information online, by telephone or by mail. In most instances, entering disputes online results in the fastest resolution. The online dispute page includes my video that provides step-by-step instructions. You will find the link in the “Additional Credit Resources” box.

I recommend getting a copy of your report directly from Experian before beginning a dispute. If you have not already done so, you can order a free report once every 12 months. The report will include detailed instructions on how to dispute information you believe is inaccurate.

Thanks for asking.

Maxine Sweet
Vice President, Public Education