If your credit report contains errors, dispute them to have them fixed and prevent them from artificially dragging down your credit score. When you find an error, you need to dispute it with each credit bureau that displays the error on its credit report for you. Each credit bureau has a slightly different process for disputes.
Order Credit Report
All three credit bureaus require that you have the file number of your credit report if you would like to file a dispute. To get a free copy of your credit report, order it online through the Annual Credit Report website. If you have already ordered your free report for this year, you can purchase a copy of your report by visiting the credit bureau's website. After you receive your report, read it carefully and note each incorrect or missing item that you would like to dispute.
TransUnion
Dispute errors on your TransUnion credit report online, by phone or by mail. To dispute online, enter the information on the dispute form at the TransUnion website. To dispute by phone, call 800-916-8800. To dispute by mail, download the form from the website, print it, fill it out and mail to the address listed on the form. Regardless of the method, you will need to provide the file number on your TransUnion credit report and your personal identifying information. For each of the inaccurate items, you need to list the company name and account number found on your credit report and your reason for disputing the information.
Experian
If your Experian credit report contains errors, you need to fill out a dispute through the credit bureau's website. In order to submit a dispute, your Experian credit report must have been obtained within the past 90 days. Enter the credit report number along with all of the other requested information in the online form. After you submit your dispute, you can check its status online and will receive an email when the dispute is resolved.
Equifax
Initiate a dispute for your Equifax credit report online, by phone or by mail. Find the phone number for disputing information listed on the bottom of your credit report from Equifax. If you would like to dispute by mail, download and print the form from the Equifax website and fill it out. You will need the confirmation number from your credit report to submit a dispute through any of the three methods.
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