How to Dispute an Experian Credit Report by Mail
Get a copies of your credit report., Make a copy of your ID., Copy a document showing your address.
Step-by-Step Guide
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Step 1: Get a copies of your credit report.
The three nationwide credit reporting agencies (Experian, Equifax, and TransUnion) use a central website to provide free annual credit reports in compliance with the requirements of the Fair Credit Reporting Act.Visit http://annualcreditreport.com to order your credit report online.
You will be given the option to order a report from any combination of the three agencies.
You can order one report from each agency every 12 months.
Order a copy of your Experian report and check for errors.
You can also order reports from Equifax and TransUnion to see if the same errors appear on each report. -
Step 2: Make a copy of your ID.
You will need to submit a copy of your identification with your dispute.
Make a legible photocopy of your driver's license or state ID care to include with your documents., Experian requires that you submit a copy of a utility bill, bank statement, or insurance statement along with your documents.If you do not have a recent utility bill or bank or insurance statement, copy another document that Experian can use to link your name and your address.
Do not include the original document, as Experian will not return the document to you. -
Step 3: Copy a document showing your address.
Detailed Guide
The three nationwide credit reporting agencies (Experian, Equifax, and TransUnion) use a central website to provide free annual credit reports in compliance with the requirements of the Fair Credit Reporting Act.Visit http://annualcreditreport.com to order your credit report online.
You will be given the option to order a report from any combination of the three agencies.
You can order one report from each agency every 12 months.
Order a copy of your Experian report and check for errors.
You can also order reports from Equifax and TransUnion to see if the same errors appear on each report.
You will need to submit a copy of your identification with your dispute.
Make a legible photocopy of your driver's license or state ID care to include with your documents., Experian requires that you submit a copy of a utility bill, bank statement, or insurance statement along with your documents.If you do not have a recent utility bill or bank or insurance statement, copy another document that Experian can use to link your name and your address.
Do not include the original document, as Experian will not return the document to you.
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Alexander Young
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