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Credit and Finance Advice
Resolve or Disputes Credit Report Issues
Does information on your credit report appear inaccurate?
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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.
My Credit Report
What is a Credit Report?
Your personal credit report contains details about your financial behavior and identification information. This user-friendly report is sometimes called a credit file or a credit history. Experian® collects and organizes data about your credit history from your creditor's and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history.
How can I get my Credit Report?
Under federal law you are entitled to a copy of your credit report every twelve months. To obtain a free credit report go to www.annualcreditreport.com. There, you can get your credit report from all three credit reporting agencies — Experian, Equifax and TransUnion — once every 12 months.
If you have been turned down for credit, employment or insurance you may qualify for a free report. Contact the company that denied you service and request the name and contact information of the credit bureau from whom they obtained your information. You can then contact this credit bureau within 60 days using the information provided to obtain your free credit report.
If you are not eligible for the aforementioned free options, then you can purchase a credit report at anytime.
For daily monitoring of your credit report from each of the three credit reporting agencies, use Experian Credit TrackerSM from Experian. This service makes your personal credit report available online 24-7. You have peace of mind from knowing that your Experian, Equifax and TransUnion credit records are being monitored daily. If any irregular account activity is detected, we’ll email you promptly.
How often is my Credit Report updated?
In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc. This is why it’s important to have access to your credit report every day.
Experian Credit TrackerSM monitors your credit report for you and you get your credit report and score. Start monitoring your credit today!
Do you have a problem on your credit report?
Inaccurate information on my Credit Report
How to Dispute Your Credit Report – If you have identified information you believe to inaccurate on your credit report. Requesting a dispute online is fast.
View Credit Report Dispute Results – Have you already filed a dispute? Did you receive an email notice stating that your results are ready for viewing?
Identity Theft and Credit Fraud
Add a Security Freeze – A security freeze will prevent Experian from releasing your credit information without your express authorization.
Add a Credit Fraud Alert – If you suspect someone is committing identity theft against you, you may want to add a fraud alert to your credit file.
Credit Application Declined
Denied Credit? – Were you denied credit or have you received adverse action based on information in an Experian credit report?