Dispute

Occasionally, credit reports contain incorrect information. This may be due to an error or could be a sign that fraud or identity theft has occurred.

Latest Articles

Steps for Removing a Tax Lien Filed in Error

I had a lien on my account in 1999 from the state of...

How Disputing Information on Your Credit Report Affects Your Credit

You've recently disputed something on your Experian credit report through Experian’s Online Dispute Center....

You Cannot Dispute a Credit Score

Can I dispute the score? I have a creditor that hasn’t reported me...

How Can I Remove Late Payments from My Credit Report?

If the late payment is accurate, it will remain on your credit report for...

Can I Remove Negative but Accurate Information from My Credit Report?

I have a debt from a department store credit card. It was...

What’s the best way to dispute incorrect information?

The easiest, fastest and safest way to dispute inaccurate information on your credit report...

What Should I Do if I Don’t Recognize a Creditor on My Credit Report?

I have two items on my credit report that I am not...

How Long Does It Take to Complete the Dispute Process?

In most cases, disputes are completed within 10-14 business days and quite often within...

What is a debt validation letter? How do I know if I need one?

I sent a debt validation letter to a collection agency and it’s...

Can I Dispute Information Without Getting a Report from Experian?

I have recently obtained my credit report from my bank and do...

How do I get old items off my credit?

Always remember that your credit report is a credit history. If the information in...

Changing Your Name on Your Credit Report

I have changed my name through naturalization. How can I change my name...

How to Dispute Information on Your Credit Report

To dispute something on your credit report, you should contact the credit bureau that issued the credit report.The fastest way to resolve errors on your Experian credit report is by filing a dispute online. Alternatively, you can write a letter that details the disputed information and states the desired action you’d like the credit bureau to take.

Once you’ve made your dispute known, the credit bureau will investigate your claim and forward your dispute to the organization that provided the information. The source of the disputed information must also investigate. If it turns out information is inaccurate, the providing organization will notify all three credit bureaus, so they can correct the information on your credit report.

It’s natural to want to delete negative information from your credit report, since potential lenders and others you do business with can see the data contained in your credit history. However, depending on the type of information and when it first appeared on your credit report, it may not be possible or necessary to delete the information.

If the information is simply inaccurate, you may be able to dispute it and have it removed from your credit report. Other types of negative information, such as collection actions, bankruptcies, and late payments, will cycle off your credit report after a set amount of time has passed.

Because lenders and other businesses use your credit report to make decisions about you, it’s important for your credit history to be as accurate as possible. Review your credit report regularly to ensure you know exactly what information others will see when they view your credit history.

In some situations, you can update information on your credit report yourself. In other cases, companies that report to credit bureaus, or the credit bureaus themselves, must update information in your credit profile.

How Others Update Information on Your Credit Report

Most organizations and companies that report information to credit bureaus do so on a monthly basis. However, creditors are not required to report information, so it’s possible that you could have a mortgage, auto loan, or other debt not included on your credit report at all.

How You Can Update Information on Your Credit Report

If you find incorrect information on your credit report, you can dispute the information with the credit bureau that issued the report. The fastest way to resolve errors on your Experian credit report is by reporting the dispute online.

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free