STEP 1: Contact the creditor associated with the account
You should begin the dispute process by contacting the creditor responsible for the inaccuracy
You can find the contact information for each of your creditors at the end of your credit report.
Your financial institutions will be able to correct most minor errors over the phone and will prevent them from being reported inaccurately in the future.
STEP 2: Contact each of the credit reporting agencies
While the TrueCredit Customer Service team can discuss your concerns with you, we are not a credit bureau and cannot correct the inaccuracy for you. Use the following links and information to help with your dispute:
You can quickly and easily dispute online with TransUnion.
You also can file a dispute via mail. We recommend using a certified letter and keeping copies of any receipts and supporting documentation. Click here for a sample letter.
TransUnion 2 Baldwin Place P.O. Box 2000 Chester, PA 19022
You can dispute certain items online with Equifax if you have an active Equifax credit report file number.
You can also file a dispute with Equifax via mail.
Equifax P.O. Box 740241 Atlanta, GA 30374-0241
Please Note The act of disputing doesn't guarantee that the changes will be made on your credit report - it just ensures that your dispute will be investigated. If changes are made you will be contacted by the credit reporting agencies - usually within 30 days.
