Although filing credit disputes online is convenient – financial advisers and consumer advocates recommend that you dispute credit report error by mail only.
Using the mail creates a “paper trail” and thus makes it harder for the credit bureaus to ignore your request.
Before initiating an Equifax credit report dispute online or by phone you will need your Equifax Report Confirmation Number. This is a ten-digit number that can be found at the top of your Equifax credit report. If you don’t have one – initiate your investigation by mail.
Not all credit report errors can be disputed online. Only credit accounts, bankruptcies, collections, liens, judgments, inquiries, and personal identification information can now be disputed online.
If you submit your Equifax credit report dispute online – the re-investigation results will ONLY be provided to you online. Make sure any spam blocker or email settings for the email account you provide while disputing online are set up to allow for emails from Equifax.
If you want the results of the re-investigation mailed to you, you should NOT submit your Equifax dispute online, but rather submit it by mail or phone.
Even if you submit your dispute online – you will still need to send supporting documentation by mail to Equifax in order for them to complete the investigation properly.
More information about initiating an Equifax credit dispute can be found here.
To view the results of a current Equifax credit dispute click here.
Supporting documents and/or credit report dispute letter should be sent to
P.O. Box 7404256
Atlanta, GA 30374-0256