You may be contacting Experian also for negative remarks being added to your file due to wrong reporting or because of late financial payments made to lenders. It could be simple doctor bill, which remained unpaid and went to collection agency etc.
Following are steps to Dispute Experian Credit Report online.
Remember disputing your credit report is totally free, you should not be paying any fee to company. All you need to access Experian website and click on dispute credit report option and fill out the application.
Before you do that you would need to have access to your credit report so you are aware what is your current reported consumer information and the reported facts you want to dispute. This is requirement from Experian for you to log your dispute.
Disputing Your Experian Credit Report Information
1. Get access to your Credit report from Experian. You can directly call Experian or visit their website to order credit report online.
Note: Experian (formerly it was called TRW)
- Address: P.O. Box 2104
- City: Allen, TX 75013-2104
- Web Address: http://www.experian.com
- Phone Number: (888) 397-3742
Note: Additionally visit Annual credit report, which is gateway to three major credit bureaus for getting free credit report. Visit Annual Credit Report
2. Once you have report in hand view each section of report carefully. Mark wrong information what you want to dispute with Experian. In case you are viewing online credit report from Experian, please ensure to click on items (PLUS sign) to see more information in detail.
3. Keep all proof handy when speaking to customer agent? In case filing online dispute with Experian, enter dispute reasons to particular item which is questionable. Do enter your email address so that you can receive update on your dispute. Once you have verified information and enter all valid dispute reasons and click submit button.
4. The online submission will send you acknowledgement from company to your email address on file.
5. The turnaround time for your dispute submission is 30 days. Generally within 30 days credit bureau will verify your source of information and reconcile it with their facts. Once dispute is verified Experian will notify you via email with their results and will provide you a link to view results.
6. Once you have filed online dispute you can always check periodically to see status on your dispute. This is the advantage of applying online dispute so that you don't have to call customer service and you can check as many times status of your dispute. In case dispute was communicate via phone to customer service rep. of Experian. They will send you confirmation of your dispute by postal mail with in 7 -10 business days.
7. The important thing is to provide them proofs such as any paid bills, check details, bank statements, proof of residence, experience letter. Providing them accurate proof will ensure credit report can be corrected at the earliest and there is no impact on your credit score.
In case of delay approach to customer service agents and inquire on your request. In most of the cases, if proof is provided as requested by credit agencies the decision is in favor of consumer. Follow above steps to dispute your credit report with Experian credit bureau.
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