How to dispute information
on your Equifax credit report

Understand the process, file a dispute,
or simply check on the status of your dispute for free.

  • How does it work?

  • What do I need to start?

  • What should I expect?

  • How does the dispute process work?

    How does the dispute process work?

    Checking your credit report on a regular basis is a good thing to do.  Let’s begin with the four steps of Credit Dispute process:

    1. Check your credit report
      Checking your credit report using annualcreditreport.com or through regular credit monitoring can help you spot information that may be inaccurate or incomplete
    2. File a dispute for free
      If you see information on your Equifax credit report that you believe is inaccurate or incomplete, simply file a dispute, and we'll look into it right away.
    3. Results completed within 30 days
      We’ll contact you using your preferred method of contact, so be sure to start the process using the method that works best for you. If you are completing your dispute online, the results of your investigation will be returned via email.
    4. Updates to your credit report
      In the event we find that information on your credit report needs to be updated — don't worry: We'll take care of it.

    WHAT YOU NEED TO KNOW: If you find an inaccuracy with one credit reporting agency, you may want to get your credit report from the other two national consumer credit reporting agencies to see if their credit reports contain the same incomplete or inaccurate information. Filing a dispute with Equifax may not impact information on your TransUnion or Experian credit reports. Click here to dispute your Transunion or Experian credit reports.

    LEARN MORE ABOUT THE PROCESS

    How does the dispute process work?

    If you submit a dispute to a nationwide CRA, it may make changes to your credit report based on the documents and information you provided

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    How do I submit my dispute?

    To submit a dispute to a CRA, contact the CRA that has the inaccurate information on your credit report. You may submit a dispute with each of the CRA online, by mail or by telephone.

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  • What documents do I need to have?

    How does the dispute process work?

    When you file a dispute, you’ll need to provide some documentation.  What you’ll need depends on what information you may be disputing.  Here are some examples of the types of documents we may need copies of during our investigation:

    Personal Information

    • Valid driver's license
    • Birth certificate
    • Copy of a utility bill

    Account Information

    • Current bank statements with account information
    • Letters from a lender showing an account has been corrected
    • Proof that an account was the result of identity theft

    Other information

    • Bankruptcy schedules or other court documents
    • Student loan disability letters
    • Cancelled checks

    WHAT YOU NEED TO KNOW: When filing a dispute, you can dispute inaccuracies regarding personal information, as well as your credit history which includes specific accounts and public record information. It’s important to provide information that will help us resolve your dispute. For a list of example documents that can be provided, please click here.

    LEARN MORE ABOUT WHAT YOU NEED

    How do I replace inaccuracies on my credit file?

    If your personal information (e.g. name, address) is incorrect on your credit file, we recommend that you first contact each of your creditors and confirm that your personal information is correct in their records.

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    What information do I need to provide when submitting a dispute?

    When disputing information on your credit report, the types of information you should be prepared with Include:

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  • What should I expect after filing a dispute?

    How does the dispute process work?

    Once you've successfully filed your credit dispute, you should expect the following to happen:

    1. Confirmation Code
      You'll receive a 10-digit confirmation code for future reference. You may check your status anytime by visiting this site.
    2. Investigating Your Dispute
      When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so.  Otherwise, we contact the reporting company to verify the accuracy of the information you’re disputing.
    3. Results in 30 Days
      Within 30 days of your dispute request, we will notify you of the results of our dispute investigation.

    WHAT YOU NEED TO KNOW: If the information that you disputed has been verified as accurate by the creditor or lender, it will remain in your credit file, but you will be able to add a statement of explanation to your credit file at the end of the process.

    LEARN MORE ABOUT WHAT TO EXPECT

    How do I check the status of my dispute?

    Please allow 30 days for us to complete the investigation. If you initiated your dispute request online, we will periodically email you the status until we have completed the investigation.

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    Can I add a statement to my credit file?

    If you disputed an item and the investigation did not resolve the dispute, you have the right to add a brief 100 word statement (200 words if you reside in the state of Maine) to your credit file, free of charge, explaining the nature of your dispute.

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    How long will it take to complete the investigation?

    You will need to allow up to 30 days for the investigation of your dispute to be completed by the credit reporting agencies (CRAs).

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Start a Dispute

If you believe any item in your Equifax credit report is incomplete or inaccurate, please click the "submit a dispute" button below.

Check Status

If you would like to check the status of a previously submitted dispute, please click the "check a status" button below.