Managing Your Credit

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Managing Your Credit:

Disputing Inaccurate Information on a Credit Report

Experian

To dispute inaccurate information on your Experian (formerly TRW) credit report, contact Experian. The Experian customer service representative will ask for your membership number, and you should reply, "This is in regard to my Consumer Review Service report." The representative will then promptly assist you. Or, if you prefer, you can write to Experian at the address below.

Equifax or Trans Union

To dispute inaccurate information on your Trans Union or Equifax credit report, write to the bureau that supplied the information. In your letter be sure to include:

Your full name, first, middle and last and including any applicable suffixes (Jr., Sr., II, etc.)

Your complete mailing address

Your date of birth

Your Social Security number (this is necessary to access your credit report)

The name and member number of the creditor and item in question

The specific reason for your disagreement with the disputed item

Your signature

Mail disputes to:

Equifax Information Services
P.O. Box 740256
Atlanta, GA 30374-0241

Trans Union Corporation
P.O. Box 403
Springfield, PA 19064-0390

Experian
National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013-0949

Or call these numbers for more information:

Equifax 1 (800) 378-2732
Trans Union 1 (800) 916-8800
Experian 1 (888) EXPERIAN

Your Finacial Institution

Due to the FACT Act a consumer may now go directly to the financial institution to dispute inaccurate credit information. No negative information can be reported while the investigation is pending.

Click here to submit a credit dispute to FAIRWINDS Credit Union.

Next: Keep it Squeaky Clean

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