Home » News » Best Way To Dispute Credit Report
  • What Is The Best Way To Dispute Information On Your Credit Report?

    By Guest Blogger Dave Sullivan, “The Credit Guy”.

    If you do not recognize information on your credit report, or believe an item may be inaccurate, you may request an investigation and correct any discrepancies. Only inaccurate information may be removed from your credit report; negative information that is accurate will stay on your credit report as long as governing laws allow. ( Seven to ten years depending on type of tradeline)

    Have the following current and accurate information on hand to complete your dispute:

    • Full company name of the disputed item (from your credit report)

    • Account number of the disputed item (from your credit report)

    • Reason for your dispute (such as, it is not your account; you have paid the account, etc.)

    Ways to initiate a dispute:

    Dispute online- All three repositories have the ability to accept disputes online via their websites.

    Each repository will require a credit report provided by them. This is the preferred method for each. So hang on the free report you get once a year.

    Dispute by mail- You may dispute inaccurate information by sending the documentation directly to the repository.


    Consumer Relations - NCAC

    PO Box 2002

    Allen, TX 75013



    Consumer Relations

    PO BOX 1000

    Chester, PA 19022



    Consumer Relations

    PO Box 105873

    Atlanta, GA 30348

    Dispute by phone- You may dispute the inaccurate information by calling the repositories directly.

    Experian 888-397-3742

    TransUnion 800-888-4213

    Equifax 800-685-1111

    Once you submit your dispute...

    • The repository will contact the institution that provided the information and re-verify the accuracy of the information.

    • The institution will update the repository of any changes that should be made to the information.

    • The repository will mail you an updated copy of your credit report, reflecting the results of the investigation via U.S. mail within 30 days of receiving your initial request. Mail delivery typically takes 3-5 business days.

    • If you are not satisfied with the resolution of the investigation, you may add a consumer statement to your credit report. This is a section of your file where you can provide any additional explanation.

    If you are in the process of applying for a loan, immediately watch this video and notify your lender immediately. Your lender will not be able to close your loan while the dispute is open and will need to reorder your credit file and credit score once any changes have been made to your information at the repository level.

    Nov 19 2012