How to Dispute Credit Report Information Online
Requesting a credit dispute online is easy and fast.
1. Start with your Experian Credit Report
If you don't have one, order online for immediate report and dispute access. While viewing your credit report online you'll be able to dispute any incorrect information.
Other ways to get a copy of your credit report or dispute information:
- Call 1 866 200 6020 to request a copy of your personal credit report to be delivered by U.S. mail
- If you have received an adverse action notice, you may obtain a free copy of your credit report at experian.com/reportaccess
- For your free annual credit report, visit annualcreditreport.com. More information about your annual credit report.
- 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, or by submitting your dispute and uploading any supporting documents at experian.com/upload.
If you have a paper copy of your report, you can access the online dispute process with your report number (near your name on your paper report) or with your personal information.
2. View Your Report Section by Section
Click on a particular item to see more details. If you see something that you believe is inaccurate, click on the Dispute button.
3. Select a Specific Reason Why You Feel the Information is Inaccurate
Enter any additional facts that further explain your reason and click on the Add to Cart button. Be sure to read the Tell me more about dispute reasons section for tips on how to dispute credit information. Once you have made all your requests, access the Cart using the Navigation bar at the top of the page, and then click on the Submit button. Make sure you provide your email address to receive notification when the results of your investigation are ready to be viewed.
4. A Notice is Immediately Sent to the Source of the Information
Generally within 30 days, the source must verify your account data. 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 the results.
If you received your credit report from a company other than Experian, ask the source for instructions on how to dispute the credit report.