Disputing Credit Information

If inaccurate information appears on your credit report, you have the right under the Fair Credit Reporting Act (FCRA) to dispute the information.

What to do:
You should begin the dispute process by contacting the creditor responsible for the inaccuracy. You can find the contact information for each of your creditors at the end of your credit report.

To dispute inaccurate information directly with the credit bureaus, you must explain the inaccuracies in writing. You can also include a copy of your credit report, and mark the items in question. Download and Print this Dispute Form to send to the credit bureaus.

Special Tip:
Send your letter via certified mail and save the receipt. Save copies of your dispute letter and all enclosures. This information should be filed away to document your communication with your creditors and the credit bureaus.

Please note:
This Dispute Form doesn't guarantee that the changes will be made on your credit report—it just insures that they will reinvestigate your credit report. If changes are made, you will be contacted by the credit bureaus within 30 days.

Send your Dispute Form to the three national credit bureaus:

Trans Union
P.O. Box 1000
Fullerton, CA 92834
1-800-916-8800

Equifax
P.O. Box 674422
Houston, TX 77267
1-800-759-5979

Experian
P.O. Box 2104
Allen, TX 75013-2104
1-800-567-5470