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Learn... Plan... Manage Credit

Learn about credit
  Credit Terms
  Credit Cards
  Credit Rates & Fees
  Credit Reports
  Credit Scores
  Real Cost of Credit
  Managing Credit
  Debt payment
  Interest payment
  Order your free annual credit reports
  FREE (with ads) - WalletHub monitors your credit report and score, and provides daily updates
  FREE (with ads) - Mint provides personal finance software, integrates with major institutions, and also checks your credit score
  FREE (with ads) - Credit Karma pulls and analyzes your credit report and score, and monitors daily financial transactions
Dispute your credit report

To dispute inaccurate information on your Equifax, Experian, or Trans Union credit report, you can now write to the bureau that supplied the information or use their online dispute forms. In all cases, you will need your recent credit report to include all of the relevant information, such as:

  • Your full name, first, middle and last and including any applicable suffixes (Jr., Sr., II, etc.)
  • Your complete mailing address
  • Your date of birth
  • Your Social Security number (this is necessary to access your credit report)
  • The name and account number of the creditor and item in question (from your credit report)
  • The specific reason for your disagreement with the disputed item

If you wish to mail your dispute, the credit bureaus have online forms that you can print, or you can use our sample dispute form. You may find it a lot easier and quicker if you use the online dispute forms and submission capabilities that each of the credit bureaus now provide. If you need further information, or contact information, read our information on credit bureaus.

Most Recent Articles
  Fair Credit Reporting Act - Section 611 addresses the procedures to be followed when disputing information in a credit report
  Correcting credit reports
  Erasing persistent credit report stains (also, form for disputing errors)
  Beware post-bankruptcy credit report errors