How to Dispute an Experian Credit Report by Mail?
Dispute is the process of removing incorrect information on your credit card report. You have to contact the credit bureau to dispute credit report information. It is necessary to check the accuracy in the credit card report from the Experian, TransUnion, and Equifax credit bureaus. You can check it once a year by requesting a free credit card report from the respective credit bureaus. The main reason for low credit scores is outdated or incorrect entries. Correcting these kinds of errors helps to improve your credit scores.
Outdated entries are not common. But, they can occur as a result of the creditor’s incomplete reporting of details to the credit bureaus. If you suspect any inaccuracies, check the credit card report and submit a dispute.
Experian follows three ways of submitting a dispute. They are Online, By Phone, and By Mail.
To know how to submit a dispute by Mail, refer to the following steps.
- Take the document for which you want to submit a dispute regarding the information on your credit card report.
- Mail it to the following address.
“To Experian’s National Consumer Assistance Center P.O. Box 4500, Allen, TX 75013.”
- Taking a print out of the document can streamline the process.
- You can even scan the document and upload it online.
- After submitting a dispute, Experian will check and contact the source of information via telephone, letter, or through an automated verification system. This process might take nearly 30 days from the date of submission of the dispute.
- Once Experian gets the response, they will send the result to you. If they did not get a response from the respective source, they will update or delete the information and send you the result.