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.

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.

You Cannot Dispute a Credit Score

August 17, 2011

Dear Experian, Can I dispute the score? I have a creditor that hasn’t reported me current on several opened accounts. I show current with Experian and one of the other...