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Free resourceCredit bureau dispute addresses
Where to mail a dispute — and why putting it in writing protects your rights in a way the online forms may not.
Dispute by mail, not online. We provide the agencies’ websites below, but we recommend you not use them to file a dispute. Information you submit online may not be admissible in court and may not be retrievable later. We also understand that some sites require you to agree to binding mandatory arbitration — which can mean giving up your right to have a judge or jury hear your case.
Send every dispute by U.S. Mail, certified, return receipt requested. That gives you proof you sent it and proof they received it. Keep a copy of everything you mail. The file the agency sends back is usually admissible — it’s just hard to read, and we’re glad to help you make sense of it during a free consultation.
Nationwide credit reporting agencies
Equifax Information Services
P.O. Box 740256Atlanta, GA 30374-0256
Experian Information Solutions
P.O. Box 4500Allen, TX 75013
TransUnion, LLC
P.O. Box 2000Chester, PA 19016-2000
Specialty reporting agencies
Credit cards aren’t the only place errors live. Check-acceptance, medical, and deposit-account databases keep files on you too — and you can dispute those the same way.
Certegy Check Services
P.O. Box 908Grand Junction, CO 81502
TeleCheck Services
P.O. Box 6806Hagerstown, MD 21741-6806
Chex Systems, Inc.
P.O. Box 583399Minneapolis, MN 55458
Medical Information Bureau (MIB)
50 Braintree Hill Park, Suite 400Braintree, MA 02184-8734
Put every dispute in writing. Send the dispute by certified mail, return receipt requested, and keep a copy of what you sent. If the agency doesn’t correct a genuine error after a proper dispute, you may have a claim under the Fair Credit Reporting Act — and we’d like to hear about it.
Addresses and phone numbers change over time. Confirm the current mailing address on the agency’s own site before you send anything important.