How Do I Dispute an Error on My Credit Report?

How to Dispute Credit Report Errors

You can dispute an error on your credit report by completing a dispute on-line or by writing to the credit bureaus directly.  All three of the major credit bureaus allow for also uploading supporting documentation.  

I suggest that you write an explanation letter, screen grabs or scans of the incorrect information, describe what it should be and submit as a pdf.   Transunion disputes need to have your file number included in all the correspondence.

Experian, Transunion, and Equifax have 30 days to verify or remove incorrect information on your credit report so it's best to have enough evidence to support your case.

You may contact the credit bureaus at the following addresses:

Experian
P.O. Box 9701
Allen, TX 75013

TransUnion
PO Box 2000
Chester, PA 19022-2000

Equifax Information Services LLC
PO Box 740256
Atlanta, GA 30374

Dispute errors on my Experian credit report.

Dispute errors on my Equifax credit report.

Dispute errors on my Transunion credit report.