Fixing Credit Report Errors Getting Easier with Online Disputes that Allow Document Uploads

creditreport6When trying to get an error fixed on your credit report, consumer advocates have often advised to submit disputes by mail. This is because the credit bureaus’ websites for submitting disputes online provided no ability to explain disputes in detail or submit documents. Without such additional information, the credit bureaus are often permitted to simply deny the dispute.

Now, however, all three of the major credit bureaus — Experian, Equifax, and TransUnion — have web portals that allow providing additional documents, potentially making the credit report dispute process easier and more effective for consumers.

In an interview with the New York Times about credit reporting, Chi Chi Wu, a lawyer with the National Consumer Law Center, said “Now that you can upload documents, it allows for a more robust dispute online.”

The links to each credit reporting agency’s online credit report disputing form are here:

When submitting a credit dispute, it is important to include all relevant information and documents. You should also save copies of any documents you submit and save printouts or screenshots of what you write in the dispute.

Each credit bureau maintains a separate credit file. You can get a copy of all three of your credit reports for free from the website

If any credit bureaus fail to fix your credit report, you should contact a consumer protection attorney versed in the Fair Credit Reporting Act. Our office provides no-cost case evaluations for violations of the Fair Credit Reporting Act.



CULIK LAW is a Massachusetts based law firm who believes in doing good work in our New England community to help individuals Champion Your Rights. We help clients with debt, credit reporting, mortgage, consumer protection, employment, and personal injury. If your rights are being violated or you need a new beginning, we want to hear about it and find a way to help.