If inaccurate information is found on your Credit Report you can correct those inaccuracies by filing a dispute with each of the Credit Bureaus for free. You can choose to dispute the information online, by phone, or via email.
Online
- Equifax – http://www.equifax.com/personal/disputes
- Experian – https://www.experian.com/disputes/main.html
- TransUnion – https://www.transunion.com/credit-disputes/dispute-your-credit
Phone
- Equifax – 1- 866-349-5191
- Experian – 1-888-397-3742
- TransUnion – 1-800-916-8800
You can find a sample dispute letter here. In order to complete your dispute by mail, provide as much of the following information as possible:
- Your name
- Partial account number of the disputed item (from your credit report)
- Current address
- Social Security number
- Date of birth
- Name of company that reported the item you’re disputing (from your credit report)
- Reason for your dispute (such as, it is not your account; you have paid the account; etc.)
- Any corrections to your personal information (address, phone number, etc.)
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Experian
P.O. Box 4500
Allen, TX 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000