How to Dispute Credit Report Information
We provide several ways to dispute information on your credit report.
- Check your report for errors and begin a dispute online
- If you have received an adverse action notice, you may obtain a copy of your credit report at experian.com/reportaccess and dispute from there
- You may obtain your free annual credit report at annualcreditreport.com. More information about your annual credit report.
- You can dispute without a credit report by uploading your dispute and any supporting documents at experian.com/upload.
- If you already have a paper copy of your report from us, you can use your report number (near your name on your paper report) to get quicker access to the online dispute process.
- Call 1 866 200 6020 to request a copy of your personal credit report to be delivered by U.S. mail
- You can request your credit report in writing by sending your request to P.O. Box 2002, Allen, TX 75013.
- You can dispute without a credit report by writing to Experian’s National Consumer Assistance Center, P.O. Box 4500, Allen, TX 75013
Tips for disputing online
If you choose to dispute online, these steps will help you to complete the process:
1. View your Report section by section
You can move your mouse over the different areas of each section to see more detailed information about that area, and click on a particular item to see more details. If you see something that you believe is inaccurate, click on the Dispute button for that item.
2. Select the reason why you feel the information is inaccurate
Select a reason from the dropdown box. You can place your mouse pointer over any icon for detailed information about the specific reason. If necessary, enter any additional facts that further explain your reason and click on the Add to Cart button. You can add multiple disputes in one session if needed. Once you have made all your requests, access the Dispute Cart using the navigation bar at the top of the page.
3. Review your items in the Dispute Cart and submit your disputes
In the Dispute Cart you can review the items you have added and make changes if needed. You may also provide your email address to receive notification as soon as the results of your investigation are ready to be viewed. When you are ready, click on the Submit button at the bottom of the page.
4. The dispute investigation process begins
For each dispute submitted, a notice is immediately sent to the data furnisher (the entity that originally provided the information). Generally within 30 days, the data furnisher must verify your account data. Please note that information verified as accurate cannot be removed from your credit report. Experian will notify you when the results of your dispute investigation are ready to be viewed and will provide you with a link to the results online. This is the fastest way to get your results.