Credit History Check
Important decisions about your creditworthiness are based on the data in your credit report. Experian® collects and organizes information about your credit history from public records, your creditors and other reliable sources. Review your credit history carefully for accuracy. If you find information that you believe is inaccurate or incomplete, you have the right to dispute it free of charge.
To request a credit dispute online you first need a copy of your Experian credit report.
You can also dispute without a credit report by writing to Experian’s National Consumer Assistance Center, P.O. Box 4500, Allen, TX 75013, or by submitting your dispute and uploading any supporting documents at experian.com/upload.
Credit Report Dispute Process
What happens after you dispute an item that you feel is inaccurate?
Experian will contact the source of the information and ask them to check their records to verify it.
Generally within 30 days, the source must respond to the investigation.
- The source may verify the item as accurate.
- The source may ask Experian to update or correct the item.
If requested, we will send you an email notice when the results of your credit dispute investigation have been received. Online delivery is the fastest way to get the results.
You can check the status of your dispute investigation anytime to see what progress has been made.