How Do I Fix My Credit?

It is important to note that each of the 3 credit agencies has their own process for disputing accounts.



 How the Equifax (EFX) dispute process works:

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First you must go to: This will give you the 10 digit confirmation number once you order your report from Equifax.

Then you can go to: and begin the dispute process using the 10 digit confirmation number.

How the Experian (XPN) dispute process works:

Important decisions about your creditworthiness are based on the data in your credit report. Review your credit history carefully for accuracy. If you find information that you believe is inaccurate or incomplete, you have the right to dispute it free of charge.

To dispute an item on your report you first need a copy of your Experian credit report..

Order it online and you’ll receive immediate access to your credit report.

The Credit Report Dispute Process

What happens after you dispute an item that you feel is inaccurate?

  • Experian will contact the source of the information and ask them to check their records to verify it.
  • Generally within 30 days, the source must respond to the investigation.
  • The source may verify the item as accurate.
  • The source may ask Experian to update or correct the item.
    • If requested, we will send you an email notice when the results of your credit dispute investigation have been received.
      Online delivery is the fastest way to get the results.

To order your Experian report, click here: this will give you the report number.

Then you can go to:  and begin the dispute with your report number.


How the Transunion (TUC) dispute process works:

How can I fix an inaccuracy on my TransUnion Credit Report?

It’s easy for you to initiate an investigation regarding information on your report that you believe is inaccurate. TransUnion is committed to providing accurate information and welcomes your help to ensure that your credit report is accurate and up-to-date. We have a 4-step process to facilitate dispute investigations so that resolutions are reached. Here’s how the process works:

Step 1: You identify inaccurate information on your most recent TransUnion credit report.

Step 2: You select and complete the most convenient method (online, phone or mail) for you to contact TransUnion to initiate a dispute investigation.

Step 3: TransUnion contacts the data provider that reported the information and asks the data provider to verify the information in question. The source might have up to 45 days to verify whether the information is correct.

Step 4: TransUnion documents the outcome of the investigation and makes any necessary changes to your credit report. We’ll notify you of the outcome of your dispute approximately three to five business days after the investigation is complete. If the dispute was initiated online, we will notify you via e-mail and you can view the results of the investigation immediately.

Click here

You will answer a set of security questions then have access to your report to dispute each item with Transunion.

You will get an email when a change is made to your report. The online dispute is the fastest and most efficient way to get incorrect data changed on your credit report.