Credit Report Q&A

How do I correct errors on my credit reports?

To correct errors on your credit report, you need to contact the credit bureau that is showing erroneous information. Your FICO® score uses the information on your credit reports to calculate your FICO score, so inaccurate or incorrect information on your credit report can hurt your score.

myFICO customers can use the following contact information to reach each bureau:


Equifax Disputes
All disputes with Equifax are handled online.


Experian Disputes
All disputes with Experian are handled online.


TransUnion Disputes
2 Baldwin Place, P.O. BOX 1000
Chester, PA 19022
TransUnion Disputes
Your File Identification Number (FIN) is no longer needed by TU's system. TU's automated system may ask you for a FIN, but it is not needed to move the call forward and speak to a live agent.

Here are your rights regarding information on your credit report:

The Fair Credit Reporting Act (FCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application.

Your rights under the Fair Credit Reporting Act:

  • You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
  • You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
  • Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.
  • You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.
  • If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.
  • You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
Was this article helpful? Give us feedback
Your FICO® Scores can impact your loan interest rates, terms, approvals and more. Learn more

Offers from our partners

Credit Cards Center

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Credit card ratings: Editors from rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of the editors from, and not influenced by any remuneration their website may receive from card issuers.

myFICO is the consumer division of FICO. Since its introduction over 25 years ago, FICO® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
CONNECT WITH US Social Media Facebook Twitter Google+ Google+ Apple App Download Android App Download