Get matched with vetted scholarships and enter our
I’m a high school student I’m a college or graduate student
100% Free. No Spam.
    Start typing in the text field above
    Advertiser disclosure

    Student-centric advice and objective recommendations

    Higher education has never been more confusing or expensive. Our goal is to help you navigate the very big decisions related to higher ed with objective information and expert advice. Each piece of content on the site is original, based on extensive research, and reviewed by multiple editors, including a subject matter expert. This ensures that all of our content is up-to-date, useful, accurate, and thorough.

    Our reviews and recommendations are based on extensive research, testing, and feedback. We may receive commission from links on our website, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. You can find a complete list of our partners here.

    How to Dispute a Credit Report

    By Kayla Korzekwinski

    Kayla Korzekwinski is a Scholarships360 content writer. She earned her BA from the University of North Carolina at Chapel Hill, where she studied Advertising/PR, Rhetorical Communication, and Anthropology. Kayla has worked on communications for non-profits and student organizations. She loves to write and come up with new ways to express ideas.

    Full Bio

    Learn about our editorial policies

    Edited by Maria Geiger

    Maria Geiger is Director of Content at Scholarships360. She is a former online educational technology instructor and adjunct writing instructor. In addition to education reform, Maria’s interests include viewpoint diversity, blended/flipped learning, digital communication, and integrating media/web tools into the curriculum to better facilitate student engagement. Maria earned both a B.A. and an M.A. in English Literature from Monmouth University, an M. Ed. in Education from Monmouth University, and a Virtual Online Teaching Certificate (VOLT) from the University of Pennsylvania.

    Full Bio

    Learn about our editorial policies

    Updated: April 9th, 2024
    How to Dispute a Credit Report

    A credit report contains information about your credit and debt repayment activity. It’s important that this information is accurate because it can impact your eligibility for new loans or lines of credit in the future. If you notice an error, you may wonder how to dispute a credit report. Continue reading to learn more about how to make your credit report accurate!

    Submit a dispute

    Errors on credit reports can take the form of an error in personal information, account information, or as the result of identity fraud. After identifying the errors on your report, you need to contact the credit reporting company or the creditor reporting the error (s). 

    Also see: Top financial tips for college students

    Credit reporting companies

    One way to dispute these errors is by submitting a dispute with the credit reporting company that generated the erroneous report. There are 3 major credit reporting companies: Experian, Equifax, and TransUnion. You are eligible to receive a copy of your credit report from each reporter annuallyFile disputes online, by mail, or over the phone for each company. Here is the contact information for each company:

    Experian

    Online
    Mail: P.O. Box 9701 Allen, TX 75013
    Phone: Phone number provided on credit report or (888) 397-3742

    Equifax

    Online
    Mail: P.O. Box 740256 Atlanta, GA 30374-0256
    Phone: Phone number provided on credit report or (866) 349-5191

    TransUnion

    Online
    Mail: P.O. Box 2000 Chester, PA 19016
    Phone: (800) 916-8800

    Creditor

    Disputes can also be filed directly to the creditor. To do this, you will have to provide documentation to show the creditor that their information is incorrect. The creditor will conduct an investigation into your claim. If they find your dispute to be true, the creditor will update your information with the credit reporting companies. 

    Also see: How long does it take to build credit?

    Dispute process

    Credit reports contain a lot of personal information, such as names and Social Security numbers. Credit reports also include account information, such as payment history, bankruptcies, and accounts in collections. In addition, a list of inquiries made by companies you requested credit from is part of your credit report. 

    Documents

    To dispute any of this information, you’ll need to provide documentation to show there is an error. 

    The materials needed will depend on the topic of dispute. 

    • Personal information can be verified using a driver’s license, birth certificate, utility bills, etc.
    • Account information can be verified using current bank statements, a letter from a lender showing the existence of an account, proof that there has been identity theft, etc.
    • Other documents used in a credit report dispute include court documents or canceled checks. 

    Most credit report disputes are resolved within 30 days. The credit reporting company will report back to you with the outcome.

    Dispute outcomes

    A credit report dispute can have 3 outcomes:

    • Incorrect information is corrected
    • Information that cannot be verified is updated or deleted
    • Information that is accurate remains on the credit report

    If you disagree with the outcome of your credit report dispute, you have a few more options. First, you can provide additional documents related to the dispute that may strengthen your case. If you choose, a brief statement regarding the information in question can be added to your credit report. This statement can be up to 100 words long. It will explain to potential lenders why you believe the information to be erroneous. Lastly, you can file a complaint about the credit reporting company to the Consumer Financial Protection Bureau if you are dissatisfied with the dispute.

    Check your credit report regularly

    Remember to check your credit report regularly. Doing so will help you stay on top of your credit score and information. This will make you more prepared when the time comes to take out a loan or start a new line of credit. Check out our review of Credit Karma, a website that you can use to check your credit report for free.

    Also see: What is a student loan credit score?

    Start your scholarship search
    • Vetted scholarships custom-matched to your profile
    • Access exclusive scholarships only available to Scholarships360 members
    Get Started

    Scholarships360 Recommended

    3 reasons to join scholarships360

    • Automatic entry to our $10,000 No-Essay Scholarship
    • Personalized matching to thousands of vetted scholarships
    • Quick apply for scholarships exclusive to our platform

    By the way...Scholarships360 is 100% free!

    Join For Free