How To Dispute An Equifax Credit Report Online

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If there are errors in your Equifax credit report, then you need to contact Equifax and have those errors corrected. Helpfully, Equifax provides a web website for reporting errors. you’ll report errors associated with your personal information, your account information, negative credit information, or inquiries. you ought to also follow the web report with a letter, which can function evidence that you simply submitted your dispute.

What information am i able to dispute on my credit reports?

You can dispute any of the following:
• Personal information: Your name, addresses, Social Security number or date of birth.
• Account information you think is inaccurate or incomplete: as an example , if late payments are being reported on one among your accounts but you’ve got always paid your balance on time and fully .
• Mixed credit files: If someone else’s information is being reported on your credit file. this might happen if a father and son (Sr. and Jr.) have an equivalent name, for instance.
• Duplicate reporting of an item: One example could be a debt listed twice.
• Information which will indicate fraud or identity theft: These would be credit accounts, including collection accounts, on your credit report that you simply don’t recognize.

Whether you’re contacting a lender or the credit bureaus, provide all the evidence and documents you’ll to support your dispute, like an account verifying an account balance. explain about why you think the knowledge within the credit report is inaccurate or incomplete.

What should I expect after filing a dispute?

If you file a dispute with the three nationwide credit bureaus, you’ll generally expect to receive the results of your dispute within 30 days. If the knowledge is found to be inaccurate, your credit reports are going to be updated, generally within about 30 days.

If the results of the investigation finds that the knowledge is accurate, it’ll remain on your credit reports. If you continue to believe the knowledge is inaccurate or incomplete, and you’ve got additional information which will help support your dispute, you’ll file your dispute again with the agency . you furthermore may have the choice to supply a quick statement on your credit reports summarizing your dispute, which may help explain your situation.

How to Dispute an Equifax Credit Report

Reporting a Error Online

Gather relevant information. so as to form the dispute process run smoothly, you ought to gather the subsequent information before sitting right down to fill out your dispute:

  • your Social Security Number
  • your date of birth
  • your address

Enter your personal information

so as to tug up your records, Equifax will invite your name, date of birth, current address, Social Security Number, and email address. you’ll then be asked four questions on loans or credit cards you’ve got taken call at the past. you want to answer the questions correctly so as to undergo the screen and access your information.

Confirm and submit

After disputing all items, you’ll be shown a summary of the knowledge that you simply are disputing. At now , you’ll change or modify your dispute.

  • Once you’ve got double-checked all information, you’ll submit your dispute. Click “Submit.”
  • you ought to receive a notification by email.

Find a sample

albeit you report online, you ought to still follow up with a letter to Equifax. A letter is tangible proof that you simply filed a dispute. you’ll use the Federal Trade Commission’s sample letter, which is out there at http://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report.

you’ll found out your letter as a typical letter . For information on what that appears like, see Write a letter .

Pull your other credit reports

Equifax is one among three national credit reporting agencies (CRAs). you ought to pull your credit report from the opposite two CRAs to ascertain if an equivalent error appears on those reports.

  • you’ll call Experian at 1-888-397-3742, or visit the web site at www.experian.com.
  • you’ll call TransUnion at 1-800-916-8800, or visit its website at www.transunion.com.
How To Dispute An Equifax Credit Report Online

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