Dispute Credit Report Online

Online credit report dispute has only recently been introduced. In the past, you can only dispute your credit report by writing a dispute letter to a credit bureau. Nowadays, it is easy to dispute credit report online. There are free online dispute forms for credit report. Equifax online dispute, Experian credit report dispute online, and Trans Union annual credit report dispute online are now more user friendly than ever.

How to dispute credit report online?

If you sign up online to any of the credit bureau's website, look for the Credit Manager section. The Credit Manager allows you to dispute items on your credit report online. To file a dispute, select the item on your credit report that you want to dispute and click 'dispute this item' button. To explain the reason of your dispute, you can either select the answers listed on the menu or provide a new written explanation. Examples of reasons why you may want to dispute credit report online are:

• I never made any late payments
• The item on my credit report belongs to my ex spouse
• The item on my credit report was unauthorized

What happens when I dispute credit report online?

When you dispute credit report online, your dispute is forwarded to the creditor. This may help your credit situation temporary. Your credit score will not plunge further.

Advantages and disadvantages of disputing credit report online

While it is convenient to dispute credit report online, one disadvantage of online credit report dispute is that you cannot provide any supporting evidence of your dispute. Therefore, convincing the creditor or credit bureaus to delete the item on your credit report which you have disputed may be more challenging. Pay close attention to the delinquent or derogatory part of your credit report.