- Price
- from €11.95incl. VAT, 2 pages included
- Delivery time
- 3 to 5 business daysusually, after posting
- Proof
- Delivery record+ tracking and proof of mailing
- Handed to the post
- Upload by 9:00 Pacificon a US business day, in that day's print run
- Counts as
- Domestic USPS mailprinted and posted in United States
Does a credit report dispute have to go by certified mail?
No. You can dispute by phone, by mail or online. If you mail it, the Consumer Financial Protection Bureau says it is a good idea to use certified mail with a return receipt requested, so you know when the dispute was delivered.
That date matters: the credit reporting company generally has 30 days to investigate, 45 in some cases, and five business days to tell you the result once it has finished.
What goes in the dispute letter?
The CFPB suggests identifying each mistake separately, stating the facts and asking for a correction or removal.
- Your full name, date of birth, current address and, as the bureau asks, your Social Security number
- Each item you dispute, with the account name and number as shown on the report
- Why each item is wrong, and whether you want it corrected or removed
- A copy of the report with the errors marked
- Copies, not originals, of documents that support your dispute and of your ID
- The bureau's own dispute form, where it offers one
Should you also write to the company that reported it?
You can. The CFPB suggests sending a copy of the dispute to the business that supplied the wrong information, the furnisher. Its address is usually on your credit report. If the furnisher finds an error, it has to send the correction to the bureaus it reported to.
Where do you mail a dispute?
| Bureau | Address |
|---|---|
| Equifax | Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256 |
| Experian | Experian, P.O. Box 4500, Allen, TX 75013 |
| TransUnion | TransUnion LLC, Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016 |
The three nationwide credit bureaus publish these mailing addresses for disputes. Check the bureau's site before you mail, in case an address changes.
How do you send the dispute?
- Put the letter and your copies in one PDF, one letter per bureau.
- Place the bureau's address in the window area of the first page.
- Upload the PDF and choose the United States.
- Count the 30 days from the delivery date in the tracking record.
Sample credit report dispute letter
One letter per bureau. List each item you dispute separately.
[Bureau name]
[Dispute address]
[Date]
Re: Dispute of information in my credit report
Dear Sir or Madam,
I am writing to dispute the following information in my credit report. The items are circled on the enclosed copy of my report.
Item: [creditor name, account number]
This item is wrong because [reason]. Please [correct / remove] it.
Enclosed are copies of [documents that support the dispute] and of my ID.
Please investigate and correct the information, and send me the results.
Sincerely,
[Full name]
[Date of birth]
[US address]
What to check before you send
- Put a US address in the sender block of your letter. USPS Certified Mail is a domestic service, so the return address must be in the United States: your US home or office, a relative's address or a US mail forwarding address.
Frequently asked questions
Do I have to send a credit dispute by certified mail?
No. You can also dispute online or by phone. If you mail it, the CFPB suggests certified mail with a return receipt so you know when it was delivered.
What is the Equifax dispute address?
Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256, as Equifax publishes it for mail-in disputes.
What are the Experian and TransUnion dispute addresses?
Experian, P.O. Box 4500, Allen, TX 75013. TransUnion LLC, Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016.
How long does the bureau have to investigate?
Generally 30 days, 45 in some cases, and five business days after that to tell you the result.
Should I send original documents?
No. Send copies and keep the originals. The bureaus do not return what you mail.
Does certified mail prove what was in the envelope?
No. It records the mailing and the delivery. Keep the PDF you uploaded: your proof PDF carries a fingerprint of that file, so you can show which document was sent.