www experian com rs fi1 html

 

www experian com rs fi1 html

www experian com rs fi1 html

www experian com rs fi1 html

Requesting a credit dispute online is easy and fast.

  1. 1. Start with a Current Copy of Your Experian Credit Report
    If you don’t have one, order online for immediate report and dispute access. While viewing your credit report online you’ll be able to dispute any incorrect information. If you have a paper copy of your report with a report number (near your name), you can access the online dispute process with your report number.
  2. 2. View Your Report Section by Section
    Click on a particular item to see more details. If you see something that you believe is inaccurate, click on the Dispute This Item button.
  3. 3. Select a Specific Reason Why You Feel the Information is Inaccurate
    Enter any additional facts that further explain your reason and click on the Submit button. Be sure to read the Tell me more about dispute reasons section for tips on how to dispute credit information. Make sure you provide your email address to receive notification when the results of your investigation are ready to be viewed.
  4. 4. A Notice is Immediately Sent to the Source of the Information
    Generally within 30 days, the source must verify your account data. Information verified as accurate cannot be removed from your credit report. Experian will notify you when the results of your dispute investigation are ready to be viewed and will provide you with a link to the results online. This is the fastest way to get the results. If you received your credit report from a company other than Experian, ask the source for instructions on how to dispute the credit report.

When you question information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we contact the source of the information directly by telephone, by letter or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item you questioned and report back within 30 days of the date that we received your request (21 days for Maine residents). Once we receive their response, we’ll send you the results of the investigation. If we do not receive a response within 30 days (21 days for Maine residents), we’ll update the item as you have requested or delete the information and send you the results. When we complete our investigation process, which may take up to 30 days, we’ll send you the results.

Revolving lines of credit, retail charge cards and bank credit card accounts are open-ended lines of credit. This doesn’t mean that you still owe a balance; it only means that you have credit available. A “current” status tells creditors that the account is not past due. The report also tells creditors whether the account carries a balance.

A credit reporting agency stores information from credit grantors and public records, including bankruptcies, judgments and liens. Potentially negative information, such as missed payments and most public record items, remain on a personal credit report for seven years. The exceptions are Chapters 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for 15 years. A paid tax lien will remain for seven years. Positive information may remain on a report indefinitely. Paid closed accounts generally display for 10 years. Requests for your credit history remain on your personal credit report for two years.

By federal law, your personal credit report must list all parties that have requested your information. According to the Fair Credit Reporting Act, businesses with a permissible purpose may review your information. Some examples of permissible purpose are, your current creditors to monitor your accounts; other creditors that want to offer you pre-approved credit; an employer that wishes to extend an offer of employment; and a potential investor assessing the risk of a current credit obligation. We report these requests only to you as a record of activities, and we do not include them on credit reports to others. They remain on your personal credit report for two years.

Click on the button below to first get your credit reports and scores from all 3 bureaus before starting a dispute online.