If you have recently found errors in your Experian credit report, you should file a dispute immediately.
An error in your credit report could lower your credit score drastically, and cost you much more in interest charges.
How to dispute your Experian credit report
Experian and the other credit bureaus all have streamlined processes for handling consumer disputes. Consumers have the option of filing an Experian credit dispute by mail, online, or over the phone.
Credit experts agree that all communication with Experian and other credit bureaus be done by mail. This is because communication via mail is easy to trace and grants you the protections offered to you by federal law.
There is no charge for submitting an Experian dispute.
Filing an Experian dispute by mail
To file an Experian dispute via mail, write a letter like the one found below. Consumers can copy and paste the Experian dispute letter example below:
(City, State, Zip Code)
SSN: (Social Security Number)
DOB: ( Date of Birth)
P.O Box 4500
Allen, TX 75013
(Insert Current Date)
Please provide proof that the below account belongs on my credit report and that my rights have not been abrogated. If no record of the account exists, please remove this harmful account information.
(Insert any report or confirmation number here)
Experian also asks that consumers provide the following in their Experian dispute letter:
- A list of all addresses you have resided in the last two years
- A copy of a government-issued identification card. This includes a drivers license, passport, identification card, etc.
- A copy of a utility bill, bank, or insurance statement in your name
- A list of all the disputed accounts and their corresponding account numbers
Filing an Experian dispute online
To file for a credit report dispute online, you can go directly to Experian’s website here.
Once you entered the website, you will need to create an account, which is free of charge.
After your profile has been created, scroll down to the bottom of the page and click the “Dispute Center” link.
Then, select “File New Dispute”. After clicking, a form will appear that contains your personal information such as accounts and public records.
Once you have found the specific account you want to dispute, select “Dispute”. Then, choose your reason for disputing this account or entry through the menu options Experian provides you.
Lastly, once you have reviewed your dispute, click “Submit”
Filing an Experian dispute by phone
Before you call Experian to file a dispute, obtain a copy of your Experian credit report.
Consumers are entitled to receive one free credit report annually from each of the three major credit bureaus at the government mandated website www.annualcreditreport.com.
Once you have your credit report, call the toll-free number at the bottom of the report. The current Experian dispute number is (866) 200-6020.
The agent on the other line will then ask you to provide certain information relating to your credit report. They may ask that you submit supporting documentation in order to file an Experian dispute.
What happens after you file an Experian dispute
Legally, Experian will have 30 calendar days to respond to your credit report dispute.
If the creditor, lender, or owner of a debt is unable to provide proof of debt ownership, the entry will be removed from your credit report.
Experian may send you letters asking you to provide additional information. However, this is a common stall tactic used in order to allow them more time to investigate.
You are not required to respond to the letters or requests in any way, shape, or form if the dispute has already been submitted to Experian.
However, if Experian is able to prove that the account or entry is accurate, your credit report will not change. Experian will always send consumers a notice if their dispute was found to have no basis.
Consumers should frequently examine their credit reports and scores to check for inconsistencies. If you have less than perfect credit and don’t know where to go, CrediReady can help.
Our trusted network of credit repair experts can boost your score and help you qualify for the credit you need. Take a moment to fill out our free no-obligation credit repair inquiry form and start fixing your credit today!