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:
- Check your credit report Checking your credit report using annualcreditreport.com can help you spot information that may be inaccurate or incomplete
- 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.
- 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.
- 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
What should I look for?
Ever wondered what information goes into your credit report, and what to look for as you’re reviewing it? A credit report is a summary of your unique financial history. The three nationwide consumer credit reporting agencies collect and maintain a history of your credit activity as reported by the lenders and creditors you have accounts with.
Your credit report includes important information about you, including:
- Personal information, such as your name, social security number, aliases or former names, current and former addresses, and sometimes your current and former employers;
- Account information, including payment history, account balances and limits, and dates the accounts were opened or closed. This section includes credit accounts that may be in your name such as credit cards, mortgages, student loans, and vehicle loans;
- Bankruptcies and accounts in collections; and
- Inquiries, which lists the lenders and other companies that have accessed your credit report.
As you look at your credit report, keep the following in mind:
- In the personal information section of your credit report, is your name listed accurately, and your address up to date?
- In the account information portion of your credit report, are the accounts listed complete and accurate?
If any of the information is inaccurate or incomplete, it is important to contact the lender or creditor that issued the account, or the nationwide consumer credit reporting agency that issued the credit report.
Remember, you can get a free copy of your credit report once a year from each of the nationwide consumer credit reporting agencies. To do this, go to annualcreditreport.com.
WHAT YOU NEED TO KNOW: As you’re reviewing your credit report, please keep in mind that debts you pay may not be immediately reflected in your credit report. You should allow up to 30 days for this information to be reflected in your credit report.
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What documents do I need to have?
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:
- Valid driver's license
- Birth certificate
- Copy of a utility bill
- 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
- 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
When disputing information on your credit report, the types of information you should be prepared with include:Read More
What should I expect after filing a dispute?
Once you've successfully filed your credit dispute, you should expect the following to happen:
- Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime by visiting this site.
- 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.
- 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
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.Read More
You will need to allow up to 30 days for the investigation of your dispute to be completed by the credit reporting agencies (CRAs).Read More
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.Submit a dispute
If you would like to check the status of a previously submitted dispute, please click the "check a status" button below.Check a status