Where do I Dispute and Correct Errors in my Credit History?
If you find errors or inaccuracies in your credit history file, you will have to submit a dispute letter or request to each of the credit bureaus on which the mistake appears. In some cases you may be able to dispute the error with online forms, but in some cases you’ll have to submit a letter with your corroborating documents.
When sending in a letter to dispute an error item in your credit history, be sure to enclose copies of supporting documents as well as a copy of your history with the item in question highlighted. The credit history agency is then required to investigate the item in question and reach a conclusion on the matter. If it finds that the item is indeed a mistake or error, they are required to notify all three credit bureaus.
Once the investigative process is finished, you will be given notice and a new copy of your history if changes were made as a result. Even if the dispute results in no change to your credit history, you can request that a statement of dispute initiation proof be included with your credit history in the future. Although this costs a fee, credit companies and lenders who request your credit file will see that you were proactive in contesting what you saw as a mistake in your credit history.
For more information from each of the credit history bureaus, go to the dispute section on each of their websites:
- Equifax Credit History Error Dispute
- Experian Credit History Error Dispute
- TransUnion Credit History Error Dispute