• We know how difficult and overwhelming it can be to work with the credit bureaus to clean up your credit report and improve your score. That's why we created this community website. A place where you can ask your consumer credit, credit bureau, and business credit-related questions to get answers from others who are happy to share their knowledge, experience and expertise. Many of them people just like you! If this web site helps you accomplish your credit goals we hope you'll come back and share your experience with the community so that it helps others too!

Forums

  1. Credit Bureaus

    1. General

      General credit bureau forum. Questions and discussions not specific to any of the credit bureaus - credit scores, reports, monitoring, disputes and more.

      29
      posts
    2. Equifax

       Equifax forum. Questions and discussions specifically regarding the credit bureau Equifax - credit scores, reports, monitoring, disputes and more.

      2
      posts
    3. Experian

       Experian forum. Questions and discussions specifically regarding the credit bureau Experian - credit scores, reports, monitoring, disputes and more.

      6
      posts
    4. TransUnion

      TransUnion forum. Questions and discussions specifically regarding the credit bureau TransUnion - credit scores, reports, monitoring, disputes and more.

      2
      posts
  • Recent Posts

    • Hello, I am newly divorced and had great credit up until recently, when my ex-husband decided to hurt my credit by not paying the joint car and mortgage loans he was ordered to pay. He received the house, condominium and car, so the judge awarded him the expenses associated with those items. I completely paid off my debt. I have always monitored our credit and kept it in good shape prior to the divorce, but now feel like I have no control. I can prove all of this and would like to find out if there is something I can put on my credit report to let creditors know about the situation. Do you have any suggestions? I called each of them, but am having trouble getting in touch with real person. Thank you!

    • transunion-logo.pngHere is overview of the ways to contact TransUnion, along with some tips to help you dispute and correct items in your credit report.

      If you've found an inaccuracy on your credit report or want to correct something in your TransUnion credit file, our recommend method for disputing and correcting items is by certified mail. You can always try calling them, or submitting your request online first, but if that fails, don't hesitate to follow up with a dispute request via certified mail. Just be sure to include all of your supporting information and documentation.

      When you contact them it is best to have a current copy of your TransUnion credit report. You can request one from them directly or through AnnualCreditReport.com. Contacting them within 60 days of receiving that report is ideal, with your file number handy.

      If mailing TransUnion, be sure to include a copy of your credit report along with the items you are disputing circled or highlighted.

      Mailing Address:

      TransUnion LLC
      Consumer Dispute Center
      P.O. Box 2000
      Chester, PA 19016
      Include this form

      Dispute Letter Template

      Phone Number:

      1-800-916-8800

      Online

      Use the online form to open up a dispute investigation or check the status of a pending dispute.

      Online dispute form


      Regardless of which method you use to submit your inquiry, give them up to 45 days to respond.

    • experian-logo.pngHere is overview of the ways to contact Experian, along with some tips to help you dispute and correct items in your credit report.

      If you've found an inaccuracy on your credit report or want to correct something in your Experian credit file, our recommend method for disputing and correcting items is by certified mail. You can always try calling them, or submitting your request online first, but if that fails, don't hesitate to follow up with a dispute request via certified mail. Just be sure to include all of your supporting information and documentation.

      When you contact them it is best to have a current copy of your Experian credit report. You can request one from them directly or through AnnualCreditReport.com. Contacting them within 60 days of receiving that report is ideal. Be sure to have your report number handy.

      If mailing Experian, be sure to include a copy of your credit report along with the items you are disputing circled or highlighted.

       

      Mailing Address:

      Experian National Consumer Assistance Center
      P.O. Box 4500
      Allen, TX 75013
      Include a form like this (Experian doesn't provide one)
       

      Dispute Letter Template

      Phone Number:

      1-800-509-8495

      Online

      Use the online form to open up a dispute investigation or check the status of a pending dispute.

      Online dispute form


      Give them up to 45 days to respond to your inquiry.

      Edited by Wes
  •  

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