How to dispute information in your credit report

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Credit Advice

Topics addressed on October 13, 2010:

How to dispute information in your credit report

Dear Experian,

How do you dispute something on your credit report?


Dear ONT,

The first step in disputing something in your credit report is to get a copy of your report directly from Experian. You can do so at for your free annual report, directly from for a fee unless you have been declined based on an Experian report or qualify for a free report for other reasons, or through a subscription credit monitoring service such as

If your application is declined, the lender will provide instructions for getting a report from the credit reporting agency that provided the report used in making the decision.

Obtaining a report from Experian through any of those services ensures you have the most recent information in an easy-to-read format. The report will include instructions to contact Experian to dispute anything you believe is inaccurate.

Simply follow those instructions to dispute any information you believe is being reported inaccurately. You will be able to enter disputes online, by telephone or by mail. In most instances, entering disputes online results in the fastest resolution. Experian will communicate your dispute to the creditor that is the source of the information.

While the law allows 30 days for the dispute process and we must allow creditors that long to respond, in many cases disputes are completed with a matter of a week to 10 business days. Experian will notify you of the dispute results when the dispute process is completed.

Thanks for asking.

- The ”Ask Experian“ team
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