Experian Dispute

experian dispute

Most people know that they can access their credit reports online. Nowadays, credit information is at your fingertips. Still, when you find inaccurate information, are you stuck submitting your dispute the old-fashioned way? No, Experian has made it easy for people to submit an Experian dispute online in just a few minutes.

If you’re going to file an Experian dispute online, you must have a copy of your credit report from them. That makes sense given the fact there are three credit bureaus and you are disputing the information found on your credit report with Experian only. Of course, it is easy to get that report.

experian disputeMany online credit report sites provide your Experian report, and then they provide a link to dispute inaccurate information with Experian. Or, you can choose to go to the website for Experian and get your credit report from them directly.

Many people find themselves doing this because they are denied for credit when trying to make a purchase. It is important, however, that people realize it’s a good idea to stay on top of your credit at all times for prevention purposes. Especially when it has been made so easy for people to do, they might as well take advantage of the opportunity.

When you submit a dispute, it can be something as small as incorrect personal information. How many times have you checked your credit report and noticed outdated personal information? It happens for sure, and there are many other things you can dispute.

Perhaps you see an inaccurate balance on an account that should be settled, or maybe you see an account that isn’t supposed to be there. Upon submitting a report, Experian looks into the matter, and the really cool thing about it is, they do it quickly.

Furthermore, the burden of proof lies with the company if you submit a dispute against a particular company over an account. They must furnish information within a certain time period that backs up what is on your report, or the changes are made.

If information is provided from a company, but it doesn’t back up what is on the report or is false, then your report is changed then as well. Talk about making credit management quite simple! The results of your credit report dispute are of course available to you online, and you get a response no matter the finding.

Make sure you have your user name and password when you are submitting a dispute. This is going to be the details you used to sign up with when you viewed your credit report originally. Experian takes precautionary steps to ensure that your identity is protected and identified when accessing your report and making a dispute. This puts consumers’ minds at ease.

If you haven’t taken a look at your credit report this year, it’s time to pull it up and see if everything is accurate. With as easy as it is to stay on top of your credit in today’s world, there is no need to put it off any longer.

experian credit dispute