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Please note: 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 column.
Disputing Information
The first step in order to dispute information is to request a copy of your report directly from Experian and review it carefully. If you find an error, simply follow the dispute instructions online or call or write the credit reporting company (as instructed on your credit report). There is no fee to dispute credit information.
The credit reporting company will check with the source of the information and send you an update. If you continue to disagree with the information, you can add a statement of dispute to the credit report. Please be specific with your dispute. The credit dispute process can take up to 30 days from the date the dispute is received. However, most disputes today are completed within a much shorter period of time.
- A dispute results in an account being “updated” and “closed”
- Accounts “missing” from your credit report
- Accounts are not deleted during the 30-day dispute time period
- Accounts deleted after dispute could be returned to your credit report
- Adding a statement to your credit report
- Credit challenges when a father and son share the same name
- Disputing information does not hurt your credit scores
- Disputing information will not cause it to stay longer on the credit report
- Disputing information you believe is inaccurate is a free service
- How to dispute information in your credit report
- Items disputed through dispute should be deleted from all credit reports
- Lenders must update other bureaus of dispute results
- Lenders required to notify other lenders of changes resulting from disputes
- Must have a personal report before disputing information
- Notifying Experian of dispute results at other consumer reporting companies
- Notifying other credit reporting companies about dispute results
- Report number from your personal credit report essential for receiving assistance
- Reporting dispute results to other credit reporting companies
- Steps for removing a tax lien filed in error
- What to do if you accidentally dispute an account entry
- Why your report number may be “invalid”
- You can submit disputes anytime online or by telephone