How to report inaccuracies in your credit reports?

Part 9: As part of series of articles (blogs) regarding Credit and Credit Score, here we go:

After you find out an item is inaccurate or obsolete, you need to dispute and communicate that to the reporting agencies. The addresses and phone numbers of the three major credit bureaus are shown on below “Equifax, Experian and TransUnion Addresses, Phone Numbers and Websites“

This information includes their address, phone numbers, websites and their preferred method of communication (e.g., letter, call, website forms, etc.).

After the credit bureau receives your dispute, they will contact the credit grantor to verify your disputed information. The creditor has 30 days to respond. If the creditor does not respond within thirty (30) days of receiving the dispute from the credit bureau, the disputed item will be tagged as non-verifiable and will be removed from the credit file. Depending on the received information from the creditor, the original information may be corrected (updated) or may stay as is.

Equifax, Experian and TransUnion Addresses, Phone Numbers and Websites

TransUnion
By Mail: By Phone:
TransUnion Consumer Relations 1-800-916-8800
PO Box 2000
Chester, PA 19022-2000
Online: https://www.transunion.com/personal-credit


Experian
By Mail: By Phone:
Experian
P.O. Box 2002
Allen, TX 75013
Online: http://www.experian.com

 

Equifax
By Mail: By Phone:
Equifax Credit Information 1-800-685-1111
P.O. Box 740241
Atlanta, GA 30374
Online: http://www.equifax.com

HOW to overcome the problems with your credit history and credit score?
Knowledge, education, awareness, practice and discipline are the essential keys to being successful on any subject. The book, "Credit Score Tips and Tricks", provides you information, tools, techniques to educate yourself and manage your credit report & credit score, and therefore manage your finances effectively at no additional cost.

I have decided to bring and share with you, chapters or sections of the book, Credit Score Tips and Tricks, as series of articles here. This is the number 9 of such a series.

I also created and manage a GROUP in ActiveRain, Credit Reports and Credit Scores, Please feel free to join and share your thoughts and experiences.

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