Can I dispute an Equifax and Transunion credit report online?
Jan, 2010 in Equifax Credit Report, Transunion Credit ReportI’m a member of Free Credit Report and they let me dispute my Experian report online, but not the other two agencies. Is there a way to dispute the Equifax and Transunion online also?
Yes. All three have similar processes. If you go into the government-authorized website:
http://www.annualcreditreport.com
you can get your Equifax and Transunion credit reports for free (once per year). Look them over, and if you see something you want to dispute, you’ll find instructions on how to do so at the end of the credit report.
Disputing it will not correct it. They will only verify the account with the debtor. It is your responsibility to contact the debtor and get it cleared up and request a copy of the report they send to the reporting agency.
Instead of paying Free credit report, you can use annualcreditreport.com and get it for free. If you do not get the release within a week, follow up on it. Many people do not do what they are supposed to do so you have to keep after them until you get it.