How to Dispute Credit Information on Experian Without Buying a Credit Report
Experian is one of the three major credit bureaus. Your credit can be harmed if the bureau is reporting erroneous negative information about your finances. You can find out what is on your Experian credit report and dispute it if needed without paying any fee for the report. Experian is required by law to provide you with a free copy of your report every year if you request it. You must know the proper way to do this to avoid inadvertently signing up for paid services.
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Instructions
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Go to the official annualcreditreport.com website. If you go directly to Experian's website you will see an offer for a free credit report. However, you will be required to sign up for their credit monitoring service to get it. The annualcreditreport.com site provides free credit reports with no purchase obligation.
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Select your state on the annualcreditreport.com home page, then fill out your demographic information in the form that comes up. This information must be completed before you choose the bureau from which you want to order your report.
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Select Experian as the company from which you wish to obtain your free credit report. You will be asked to fill out some additional information, and Experian may offer you paid services. Decline them and continue the process until you reach your free report.
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Read through your Experian credit report carefully, looking for any errors. Make a note of any incorrect credit information.
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Use the online dispute form to file a dispute for any errors in your credit information. You will be required to provide the reason why you think the information is wrong. Experian is obligated to investigate the dispute and remove the erroneous information.
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Tips & Warnings
You are entitled to a free report from Transunion and Equifax, as well as from Experian, every year. Get one of these reports every four months and you will be able to monitor your credit for free throughout the year.
The Federal Trade Commision (FTC) says consumers should beware of websites claiming to offer free credit reports that come with a catch. The FTC sued one such site, which was owned by Experian, for luring people in with promises of a free credit report and then persuading them to sign up for credit monitoring services.
