How To Dispute Credit Report Errors

Added December 24, 2004 by Ilyce R. Glink

Print Articles

Summary: If you find errors on your credit report you need to immediately report them to the three credit reporting bureaus - Experian, Equifax, and Trans-Union. The credit reporting bureaus are required by law to investigate and resolve disputed information within 30 days. If the information is incorrect, and you can prove that, then the credit reporting bureaus must correct this information quickly.

Q: I moved into my new house one year ago. At that time, I faxed my new address and identifying information to the three crediting reporting bureaus.

When I recently pulled a copy of my credit history, I saw that my old address is still listed. How can I fix this problem?

A: You need to let each of the three credit reporting bureaus (Experian, Equifax, and Trans-Union) know that there is a serious error on your credit history. Each credit reporting bureau has instructions on its website on how to dispute errors in your credit report.

At Equifax.com, for example, you would click on "online dispute." The website tells you what you need to dispute an error on your credit report. You need a current copy of your credit history and you need the 10-digit code that is on the form. The website says that there is a toll-free phone number that you can use at the bottom of the credit report to call, or you can handle the disputed information online.

The credit reporting bureaus are required by law to investigate and resolve disputed information within 30 days. If your home address is incorrect, and you can prove that you live elsewhere, then the credit reporting bureaus must correct this information quickly.

Published: Dec 24, 2004

See more articles on this topic by clicking on the "RELATED ARTICLES" above and to the right.

We have over 5000 articles on Real Estate Advice, Personal Finance Advice and Consumer Advice on our site. We encourage you to look at these articles. As always, if you have a comment on our articles, don't forget to post your comment below. We thank you for coming to ThinkGlink.com.

© Ilyce R. Glink. All rights reserved. This content may not be used, distributed, syndicated, compiled or excerpted in any medium or form without written authorization from Think Glink, Inc. For information on syndicating ThinkGlink.com please contact us.

Previous article Next article