In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds.
While usually completed much faster, the Fair Credit Reporting Act (FCRA) requires that Experian allow 30 days for the dispute process to be completed.
If you have something that you believe is incorrect in your Experian credit report, you can file a dispute on the Experian website.
If you have a current copy of your personal credit report you can simply enter the report number. If you do not have a current personal report, complete the information requested and Experian will provide a free report.
Simply follow the instructions provided with your report to enter your dispute. Once submitted, Experian will forward your dispute to the organization that provided the information so they can investigate.
The source of the disputed information will respond to Experian and verify whether there is a change or update that should be made or whether the item should be removed from the credit report. If no errors are found, the item will remain as reported. Experian will notify you of the results of the dispute.
If changes are made as a result of the dispute, the source of the information must also notify the other two major credit reporting agencies, so that the information can be updated on those reports as well.
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Scoped on: 12/30/2016