How do I dispute and correct inaccurate information on my credit report?
If you see information on your credit report that you believe is inaccurate, you can take the following steps to dispute, and hopefully correct, the information:
- Highlight the errors on your credit report.
- Gather supporting documents that show your side of the story (e.g.,receipts or bank records showing that you made a payment on time that’s recorded as late or delinquent)
- Submit the information to the bureaus with a brief explanation (100 words or less).
- Some credit bureaus have dispute forms on their websites.
- You can also submit your information directly to the reporting lender.
- After you submit your claim, you may need to wait 30 to 45 days before it’s resolved and the corrected information appears on your credit report.
Please note: if the inquiry confirms that the information is accurate, the bureau or lender won’t change it. If you still have questions after your claim is rejected and want to pursue your dispute further, you can file a complaint against a bureau or lender with the Consumer Financial Protection Bureau or with the Attorney General of your state.
Customers can contact Experian® at 1 (888) 397-3742 or https://www.experian.com/help/.
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