How to Correct Experian Credit Report

Experian is one of the three major credit reporting agencies, along with Equifax and TransUnion. Although all three agencies serve a similar function, they are entirely independent and do not share information with each other, so your Experian credit report may contain information that isn't reflected on your other credit reports. If Experian contains inaccurate or outdated information, you can file an online dispute and ask to have that information updated.

Instructions

1

Visit the Experian online dispute center and log into your account. (See Resources.) Click the blue "Log In" button beneath the description of your account type in the center box.

2

Click on the category containing the incorrect information. If you are disputing incorrect personal information, click on the "Personal Information" category; if you are disputing an incorrectly-reported account, click on the category containing credit account information.

3

Click on the item that you believe is not correct. Click the blue button that says "Dispute This Item."

4

Enter a reason for your dispute. If you are correcting personal information, include the correct information in the reason. If you are disputing an account, explain why the information is incorrect. Provide your current email address to receive notification of the results of your dispute.

5

Click "Submit." If Experian can't validate the information, they will remove it from your credit report. You will be notified of the decision generally within 30 days.