How to dispute information on your credit report

Found something incomplete or inaccurate on your credit report? Learn more about the dispute process. [Duration- 2:27]

What you will learn:

  • You're entitled to a free credit report at annualcreditreport.com
  • Check your personal information carefully
  • The information you are disputing should be incomplete, inaccurate or the result of fraud
  • You can file a dispute with Equifax online, by mail, or over the phone
  • Once you file a dispute, you should receive a response within 30 days
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Help control who has access to your Equifax® credit report. It's free.

Equifax is helping put you in control of your Equifax credit report. With Lock & Alert, you can quickly and easily lock and unlock your Equifax credit report with a click or swipe, and we’ll send a confirmation alert.1

  1. Locking your Equifax credit file will prevent access to it by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.