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Send a letter to the credit bureau. ... Determine if you should contact the furnisher as well. ... Wait up to 45 days for the credit bureau or furnisher to investigate and respond. ... Review the results of the investigation. ... Check for updates to your credit report.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
Information to include in your dispute letter Full name. Date of birth. Current address. Driver's license number. Social Security number (optional). The account number of the tradeline you're disputing (e.g., account number found on your utility bill, student loan bill or mortgage statement).
If you started a dispute less than 15 days ago, you can cancel your dispute by calling us at 800-916-8800 Monday-Friday 8 a.m.-11 p.m., Saturday-Sunday 8 a.m.-5 p.m. Eastern Time.
To complete a dispute by mail, provide as much of the following information as possible: Your name. Partial account number of the disputed item (from your credit report) Current address. Your TransUnion file number (if you have one) Social Security number. Date of birth.