If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute. You can also use our instructions and template letter as a guide.
If you mail a dispute, your dispute letter should include:
- Contact information for you, including your complete name, address, and telephone number
- Credit report confirmation number, if available
- Each error you want fixed, including the account number for any account you may be disputing
- Clear explanation of why you are disputing the information
- Request that the information be removed or corrected
- A copy of the portion of your credit report that contains the disputed items, with the disputed items circled or highlighted
- Copies (not originals) of documents that support your position
You can choose to send your dispute letter by certified mail and ask for a return receipt, so that you have a record that your letter was received.
You can contact the nationwide credit reporting companies online, by mail, or by phone:
Equifax
Online: www.equifax.com/personal/credit-report-services/credit-dispute/
By mail: Download the dispute form
Mail the dispute form with your letter to:
Equifax Information Services LLC
P.O. Box 740241
Atlanta, GA 30374
By phone: Call the phone number shown on your credit report or call (866) 349-5191
Experian
Online: www.experian.com/disputes/main.html
By mail: Use the address provided on your credit report or mail your letter to:
Experian
P.O. Box 4500
Allen, TX 75013
By phone: Call the phone number shown on your credit report or call (888) 397-3742
TransUnion
Online: dispute.transunion.com
By mail: Download the dispute form
Mail the dispute form with your letter to:
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
By phone: (800) 916-8800, Monday – Friday 8 a.m. 11 p.m. ET, Saturday and Sunday 8 a.m. – 5 p.m. ET.
Keep copies of your dispute letter and the documents you send with it.
