Disputing Mistakes on Your Credit History

[Deaf Mortgage]

Disputing Mistakes on Your Credit


You can order your own credit report (consumer reports) so that you can dispute each account.

Use this link to order your credit and file disputes online:
https://www.annualcreditreport.com/cra/index.jsp

You will need to order all 3 credit reports. (One from each agency)

When the credit report comes up, you will have the option to dispute the accounts.

If you need direct links to dispute with each credit bureau, they are here:

Equifax: https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute

Experian: https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

Transunion: TransUnion

Credit agency contact information:

Equifax
1-800-685-1111
P.O. Box 740256
Atlanta, GA 30374
Dispute Online available

Experian
1-888-397-3742
Dispute online available

Transunion
1-800-916-8800
2 Baldwin Place
PO Box 2000
Chester, PA 19022
Dispute Online available


The entire process of ordering and disputing your credit online may take two to three hours. It is worth your
time to get the credit score higher! Example: On a $100,000.00 mortgage a 20 point increase of your credit
score could save you $500.00 or more per year.
Please contact your ASL loan officer if you have further questions!

Sources of all three Creditors
Credit bureau - Wikipedia, the free encyclopedia

Sources of how to dispute your information
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.pdf