How to dispute credit report inaccuracies online

The best way to increase your credit score is removing the negative elements from your credit report. So check your credit report for all kind of inaccuracies. Always check your personal information section in your free credit report.

This section contains the list of all addresses and employer you have worked for. Your inaccurate employer and address information will have negative impact on your credit score. Your address and employer information shows how much stable you appear to be. If your credit reports includes lots of addresses and employers list in the last year, that will lower your credit score. Check your report carefully for multiple listings of the same address and the addresses that does not belong to you anyway. So you will need to remove these inaccuracies from your credit report.

There are three ways by which you can report inaccuracies in your credit report via mail, phone and online. All of three credit reporting agencies have online forms you can fill up to file a dispute which looks to me the easiest way to solve credit report inaccuracies. Here I’m sharing the online form filling link of all credit reporting agencies for dispute about your credit report:

Equifax Online dispute form
Experian online dispute page
TransUnion credit reporting dispute

Some people will claim that you should dispute items even if they are completely accurate in hopes that the creditor will be unable (or unwilling) to verify the disputed item. I am advising you against this for a few reasons. Once the investigation about the inaccuracies is complete, you will be informed via email about the corrections in case you used the online form for reporting inaccuracies. And you will also get a free copy of your corrected credit report.

Note that if your inaccuracies are listed in all of your three credit reports, then you have to dispute it with all three credit agencies.