Disputes Online: Disputes by Phone

Disputes Online:
Step 1: Get a current copy of your credit report. To get a free credit report (free once a year) that covers all three reporting services, go to ..www.annualcreditreport.com... You'll need to do this even though you have a recent copy in your file, because this has the required report numbers that the credit reporting services needed. Follow the online instructions to receive your report.
Step 2: Dispute online.
Experian: Go to ..www.experian.com disputes/index.html.. and click onto "Click here to request a dispute online". You will need an Experian report number that should be on the free credit report that you received from the "annualcreditreport.com". If not, click onto"Order a current copy of your personal credit report". When you get that report with the report number, go back into the system and go through the process online.
Trans Union: Go to ..www.transunion.com.. and click onto: "First Time? Click Here". Fill out the personal information and create an account. Proceed through the system.
Eguifax: Go to www.equifax.com/online-credit-disputel. Enter your zip code and follow the instructions.

Disputes by Phone
The success under this method depends a lot on which representative you contact and their level of knowledge or authority. Equifax and TransUnion are pretty easy to deal with by phone, although you do need some patience.
Step 1: Get a current copy ofyour credit report. Just like above, to get a free credit report (free once a year) that covers all three reporting services, go to ..www.annualcreditreport.com... You'll need to do this even though you have a recent copy in your file, because this has the required report numbers that the credit reporting services needed. Follow the online instructions to receive your report.
Step 2: Dispute by Phone.
Experian: It will do absolutely no good unless you have an Experian report number (see above). This can take a while. Get a good book to read and try these numbers: 1-714-8307000 (best number to use ).1-800-493-1058 (press 0, or say "speak to an agent" or "I want to speak to a live person"); 1-800-854-7201 (ask for switchboard).
TransUnion: Go to www.transunion.com.Click "Phone". You will be able to speak with someone, but you will need: a) your TransUnion acct. number (off your free credit report), although this is optional, b) the company name of the disputed item (as listed on the credit report), c) the account # of the disputed item (as listed on the credit report), and d) the reason for the dispute, such as it is not my account, I have never been late, the account is closed, the account is paid, etc.
Eguifax: See the toll free number on your free credit report.