How to Dispute Errors on Your Credit Report Successfully (Step-by-Step)

Step 3: Gather Evidence Before Disputing

When you find an error, collect documents to support your claim. Evidence may include:

• Bank statements
• Payment confirmations
• Letters from creditors
• Canceled checks
• ID documents (to fix personal info errors)

The more proof you provide, the stronger your dispute will be.

Step 4: File a Dispute with the Credit Bureau

Each bureau lets you dispute errors online, by mail, or by phone. Online is fastest, but certified mail gives you a paper trail.

• Equifax Dispute Portal: Equifax Dispute
• Experian Dispute Center: Experian Dispute
• TransUnion Dispute Service: TransUnion Dispute

When filing, include:

• A clear explanation of the error.
• Copies (not originals) of supporting documents.
• A copy of your report with the disputed item highlighted.

By law, the bureau must investigate within 30 days and inform you of the results.

Step 5: Contact the Creditor Directly

Sometimes it helps to also dispute the error with the furnisher (the company that reported the info, like a bank or credit card issuer). Send them the same documentation you gave the bureau.

If the creditor agrees it’s wrong, they’ll correct their records and notify all three bureaus.