How to Dispute a File on Equifax

Your credit report contains personal information, credit history, inquiries and public records. Equifax is one of the main credit score reporting bureaus. You may obtain a free copy of your credit report once a year (see the Resource section) and you should review it carefully. If you find an error on your credit history report, you may dispute it. This may take from 30 to 45 days to resolve, according to the Equifax website.

Instructions

1

Locate the Report Confirmation Number, which is located at the top of your credit report. While you do not have to have this number available, it will assist customer service in locating your record.

2

Call the number provided on your report. Alternatively, visit Equifax's online dispute web page (see the Resources section). If you do not have your Report Confirmation Number, dispute your credit file by mail. Send a letter and supporting documents to:

Equifax Information Services, LLC

P.O. Box 740256

Atlanta,GA 30374

3

Complete the online form or explain your dispute to the Equifax representative. Submit the form. This will initiate an investigation into your credit report claims.

4

Wait up 30 to 45 days for the result of the investigation. You will receive a copy of your adjusted report, if there is one.

5

Review this report carefully to see where your information has been changed or deleted. If the incorrect information is still on the report, ask for it to be noted as disputed, which will give you the opportunity to add an explanation to your credit file, advises Equifax.