How to Dispute an Equifax Report

Many companies use credit reports provided by Equifax to approve people for loans or credit. Errors can be made on these reports as a result of incorrect reporting or fraud. These errors can damage a credit score and make obtaining a loan or credit difficult. Incorrect items on a credit report can be disputed online, by mail, or over the phone. A dispute is not guaranteed to be successful, but with proper proof most incorrect items can be removed.

Instructions

Dispute a Report Online

1

Navigate a web browser to the Equifax Online Dispute webpage. Fill in the requested information and click the submit button at the bottom of the page.

2

Supply a copy of any requested documentation by fax or direct mail.

3

Wait 30 to 45 days for the investigation process to take place. Equifax will report the results of the investigation and any changes through email.

Dispute a Report by Mail

4

Download and print the Equifax mail in dispute form (see Resources). Alternatively, writing a letter would suffice, as long as it includes the specific items to be disputed, the reason for dispute and any supporting documentation.

5

Mail the completed form or letter by certified mail to:

Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA 30374

6

Wait 30 days while the credit dispute investigation is conducted. Any changes to the report will be mailed after the investigation is completed.

Dispute a Report by Phone

7

Call Equifax at 800-846-5279. Credit agencies often update their phone numbers. Should the number be updated, the new number will appear on credit reports.

8

Provide the 10-digit report confirmation number located at the top of the credit report. Report the item and reason for dispute.

9

Mail or fax any requested documentation. Wait 30 to 45 days for the investigation of the disputed claims. Equifax will provide notice of any changes as a result of the investigation. Notice will be provided by email, mail, or phone, as requested in the dispute phone call.