Dispute Guide

Noticed inaccuracies? Once you review your report details, you can file a dispute to fix any errors and keep your credit healthy.

First, review your report.

  1. Check for abbreviations.
  2. Shortened or abbreviated creditor names might look different than what you'd expect.

  3. Explore the details.
  4. If you have different credit scores elsewhere or notice a large change, it doesn’t necessarily mean there’s a mistake. Take a look at our FAQs to learn about some common concerns.

File a dispute if you need to.

To correct any inaccuracies, follow these two steps:
  1. Contact creditors
  2. You can find contact info for creditors associated with each account on your report. Financial institutions can often correct most minor errors over the phone.

  3. Let reporting agencies know.
  4. There are three credit reporting agencies you'll want to contact.

Check your updates when they're ready.

After you file a dispute, the reporting agencies will contact the data provider or information source. That source has a reasonable amount of time to investigate and verify the information. If you check your dispute status online during this time, you'll still see the uncorrected version of your credit report.
When you have a pending dispute, it's best to wait to apply for credit. This ensures creditors or lenders have the most up-to-date report. If the data provider or source can’t verify the info, it will be corrected or removed from your credit report. Otherwise, it will be updated as instructed by the data provider. There are two ways you can see these updates, depending on how you filed:
  • Online
  • You'll get an email to let you know when you can view your results.

  • Phone or Mail
  • You'll receive a updated credit report via first-class U.S. mail 3 to 5 business days after the investigation is finished.