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How do I dispute incorrect information on my Equifax credit report?

SOLVEDby TurboTaxUpdated 6 days ago

If you find an error on your Equifax credit report, you can dispute it with Equifax. You should only file a dispute if you believe there is incorrect information on your report.

If you find an error on your Equifax report, consider also checking your other credit reports for errors. You can find your TransUnion credit report on Intuit Credit Karma, and you can request your credit reports from each of the three major bureaus at AnnualCreditReport.com.

File a dispute with Equifax

Before you begin your dispute, make sure you have your most up-to-date Equifax report handy.

Creditors typically report information to the credit bureaus, like Equifax, every 30 days, so your most recent credit activity may not be reflected on your report yet. Depending on the type of error you’ve spotted, you may want to wait a month for a full credit cycle to complete to make sure this information is the most up to date. That said, if you identify an error that may be fraudulent, you may consider acting sooner.

You may also need to provide supporting documentation when you file your dispute.

Click here to see more on this from Equifax: Dispute information on your Equifax credit report

What to expect after filing a dispute

After you file a dispute with Equifax, they will review your dispute request and let you know if the item(s) will stay on your report, be modified or be removed. Equifax typically completes its investigation within 30 days of the date they receive your request, so please be patient while the investigation is in progress.

Please be aware, filing a dispute request does not guarantee that Equifax will change your report. You have the right to add a statement of explanation to your credit file if you disputed an item, but the investigation did not resolve the dispute.

Seeing the changes on Credit Karma

If Equifax makes a change to your report, you’ll see it on Credit Karma after we get the updated information from Equifax. Keep in mind that Credit Karma isn’t able to make changes to your credit reports, and that we depend on the bureaus to provide us with updated information.

See more here: Why hasn’t my score changed?

What if I don’t agree with the results?

If you don’t agree with the dispute results, you can find more information on Equifax's site about available next steps.

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