5. What should I do if I find an error in my credit report?

Request a copy of your report from Experian and review it carefully. If you find an error, simply dispute the information immediately online or call or write the credit reporting company (as instructed on your credit report). The credit reporting company will check with the source of the information and send you an update. If you continue to disagree with the information, you can add a statement of dispute to the credit report.

Please be specific with your dispute: “I was not late in March 2005” or “That is not my account.” Simply saying an item is wrong does not give Experian or the source of the information enough detail to help you resolve your dispute.

Because the credit reporting company must ask the source of the information for a response, the dispute process can take up to 30 days from the date the dispute is received.