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If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
If you did apply for a credit account or authorize a hard inquiry, you can't remove it from your reports. It remains on your credit reports as part of an accurate representation of your credit history. If that's the case, it should fall off your reports after about two years.
The Experian Dispute Center is your source for correcting credit report information that you consider incomplete or inaccurate. Once you've had a chance to read through the information there, click "Start a new dispute" to view your credit report and select an entry to dispute. Indicate the reason for each dispute.
Dispute mistakes with the credit bureaus. You should dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, include the credit bureau's dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send.
The quickest and easiest way to dispute your Experian credit report is to check your credit report online and submit corrections through the online Dispute Center.
Disputing hard inquiries on your credit report involves working with the credit reporting agencies and possibly the creditor that made the inquiry. Hard inquiries can't be removed, however, unless they're the result of identity theft. Otherwise, they'll have to fall off naturally, which happens after two years.
How To Create The Dispute Help-desk: 0861 10 56 65. Email: EZA.consumer@experian.com. Fax: 011 707 6786.
To freeze your credit, you have to contact each of the three credit bureaus individually. Placing a credit freeze is free for you and your children, as is lifting it when applying for new credit.