How do I dispute a credit report online?

You can dispute credit report information online by visiting Experian, Equifax, and TransUnion. For items you wish to dispute on your TransUnion credit report, you can also visit the credit report tab of your WalletHub account and select “Report to TransUnion” for any inaccurate item. You can only dispute inaccurate information that appears as a result of a mistake or fraud.

When you visit the credit bureaus, you will need to verify the following items to submit your dispute:

• Name
• Address
• Social Security number
• Date of birth
• Phone number

You will also need to provide a reason for your dispute, including a short explanation of why you believe the information is inaccurate. When you submit your dispute, you’ll be redirected to a confirmation page, which you should print for your records.

Credit bureaus have 30 days to respond after you’ve submitted your dispute, although you may see results sooner. Once a credit bureau has reviewed your dispute, they will either make adjustments to your credit report or provide an explanation as to why no further action is necessary.

To learn more about credit-report disputes as well as other dispute methods, you can visit our dispute guide.