Check Credit Report Accuracy
Equifax®, Experian® and TransUnion® provide you with credit reports when you remember to ask for them. After you’ve received your free report, which is only free once every year and does not include a credit score, you would have to pay if you want to see the report again during the course of the year. But the 3-in-1 credit report online lets you stay on top of any changes to your credit file on a daily basis, and you get comprehensive updates to your entire report along with a new score every quarter.- Links and instructions for filing a dispute by mail or online
- Unlimited online access to all 3 agency reports and scores
- Credit Education Specialists to assist you by phone, toll free
- Monitoring to alert you to possible fraud, identity theft or reporting inaccuracies
Why You May Want to Dispute
Your credit report and credit score can impact whether you qualify for a loan, a new credit card account, insurance and much more. They can also influence the interest rates you pay and even your ability to get a job. According to the U.S. Public Interest Research Group (PIRG), one in four credit reports contains errors serious enough to cause consumers to be denied credit, a lease or even a job (National Association of State PIRGs, June 2004: "Mistakes Do Happen: A Look at Errors in Consumer Credit Reports"). The PIRG study also found that:- 79 percent of credit reports contained at least one mistake
- 54 percent of credit reports contained identifying information that was misspelled or outdated, belonged to another person, or was otherwise incorrect
- 30 percent of credit reports incorrectly showed accounts as open that had previously been closed by the consumer
Knowing When to File a Credit Report Dispute
It's inevitable that from time to time credit reports may contain inaccuracies. And, even a minor error can have a negative impact on your credit rating. If you see any questionable activity or discrepancies in your credit report, don't wait to file a dispute. Some typical reasons to act are:- Initiate a credit report dispute because one or more creditors have failed to record pay-offs on loans
- Dispute a credit report because you don't own a credit card that's listed as yours
- Initiate a credit report dispute because of inaccurate residential history
Disputing Credit Reports
Of the 3 major credit reporting agencies, Equifax and TransUnion require disputes to be filed by mail. Disputes with Experian can be filed online. For your convenience, we provide you with a sample letter for disputes by mail with the Equifax and TransUnion and a link to filing a dispute with Experian online.These agencies are required by law to investigate your credit report dispute and respond to you at no charge within 30 days of receipt of the dispute request . You can also file credit report disputes directly with creditors. In today's challenging financial climate, staying on top of your credit is important.
This website is dedicated to making it easy for American consumers to get access to and monitor their credit reports. All of the products we present are provided by Identity Guard®, one of the nation's leading credit management and identity theft service providers.