Where Should I Send Credit Report Disputes?

Question: Where Should I Send Credit Report Disputes?

Answer: You have two options for disputing credit report information. You can dispute with the credit bureau, which is the company responsible for compiling your credit report. Or, you can dispute directly with teh creditor or business who listed the information on your credit report.

Disputing With a Credit Bureau

If you dispute with the credit bureau, you can send a credit report dispute letter explaining the error to the bureau who provided the report. Here are the mailing addresses for each credit bureau:

Equifax
P.O. Box 7404256
Atlanta, GA 30374-0256

Experian
Dispute Department
P.O. Box 9701
Allen, TX 75013

TransUnion
Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

When you send credit report disputes, you should also send copies of proof you have to support your claim. Send your dispute via certified mail, so you're able to track your letter. The credit bureau has between 30 to 45 days to respond to your dispute letting you know the result.

Disputing With an Information Provider

When you dispute with information provider, the process is much the same as disputing with the credit bureau. Write a letter that indicates the error you found and explain why that information is inaccurate. Again, if you have proof that supports your claim, send copies of it.

You can find an address for the business by looking at a recent billing statement. Make sure you look for the address that's meant for correspondence; it may be different from the address where you send payments. If you can't find an address, or you no longer have billing statements, call the company and ask for the correct address to send correspondence.

The information provider is required to do an investigation, just like the credit bureaus, and have your credit report updated if the information is indeed an error.