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What to Do Before Initiating a Dispute

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.

Thanks for asking.
The “Ask Experian” team

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