It can be very upsetting to find incorrect information on your credit reports. After all, this essentially means falsehoods are being broadcast about you that anyone with the right to look at credit reports can potentially see. Luckily the process for disputing mistaken bits of data is pretty straightforward. Often the best option is to visit the web page of the credit bureau that is listing the incorrect details. This method tends to be the quickest and easiest. The websites for the three major bureaus are:
If you would like to fill out a dispute form online, you can find the links here:
If you would like to do a dispute by phone, the numbers for the credit bureaus are:
Keep in mind that for both of the above ways of disputing, your dispute will go much more smoothly if you have copies of the credit reports with you that contain the error(s).
If you would like to write a dispute letter and mail it to the credit bureaus to dispute an item, you can find the mailing addresses here:
Equifax Information Services, LLC.
P.O. Box 740256
Atlanta, GA 30348
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000
P.O. Box 4500
Allen, TX 75013
Remember, the credit bureaus don’t communicate with each other about disputes they receive, so if you have a similar error on multiple reports, you will need to contact each company separately.