You have the right to dispute inaccurate credit report information with the three major credit bureaus: Equifax, Experian and Trans Union. Be sure to send your disputes in writing and send by Certified Mail, Return Receipt Requested.
- Write dispute letters, referred to as a "Request to Reinvestigate" letter, to all three credit bureaus and the credit furnisher (the company whose entry you’re disputing). Provide a concise explanation why the information is inaccurate and needs to be corrected. Also, supply supporting documentation illustrating the error.
- Send your dispute letters via Certified Mail, return receipt requested. Mark your calendar 30 days from the date your request was received by the credit bureau. The credit bureaus must respond to your request within 30 days of that date. Keep copies of all letters you send and receive.
- If the negative entry is not removed, repeat the dispute process. Note in your dispute that this is your second, or perhaps third, request to have information corrected. If your dispute letters do not correct the error, contact us – you may have a lawsuit.
Again, dispute by mail, NOT online! You can fully explain while preserving your rights.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com
Experian
P.O. Box 2104
Allen, TX 75013
1-888-397-3742
http://www.experian.com
TransUnion
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022-2000
1-800-888-4213
http://www.transunion.com