The first step is to review your Experian credit report through our Dispute Center and verify your information. Next, confirm that the inquiry was not a result of identity theft.
There may be situations where you don't recognize the name of a company that checked your credit or you don't remember applying for a loan with a company you do recognize. Here are a few scenarios when inquiries you don't recognize may be legitimate:. If you don't recognize the company name that performed the hard inquiry, contact the company for more information. When you check your credit report through the Experian Dispute Center, the hard inquiry will be accompanied by the company name and typically the mailing address and a phone number.
If you have verified that the hard inquiry is due to identity theft, then the dispute would be handled over the phone with Experian specialists. You can register with or log in to our Dispute Center to find our support options. There is no charge to use this service. Once you submit the request, you can track your progress through the Dispute Center. Generally, the dispute process will be done within 30 days. If the inquiry was found to be valid, it will not be removed from your credit report.
However, if the investigation shows the inquiry was a result of identity theft, it will be removed from your report. Check Your Credit Report Regularly It isn't common to find inaccurate information on your credit report, but it can happen. To avoid letting fraudulent and other erroneous information go unchecked, make it a goal to check your credit report regularly. Review what's listed and watch out for anything you don't recognize.
It's not always possible to prevent identity theft, but as you keep track of your credit history, you'll be in a better position to stop a difficult situation from getting much worse. What's on Your Credit Report? The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach.
If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.
To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested.
Additionally, you may obtain a free copy of your report once a week through April at AnnualCreditReport. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Compensation may factor into how and where products appear on our platform and in what order. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.
That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. When reviewing hard inquiries on your credit reports, you want to make sure that they are legitimate.
What does that mean? For each hard inquiry line item you see, did you authorize the creditor or lender to pull your credit? You should make it a habit to regularly review your credit reports from the three major consumer credit bureaus — Equifax, Experian and TransUnion. The credit bureaus may not know which information is incorrect unless you flag it. If you believe any item in your Equifax credit report is incomplete or inaccurate, you can begin the dispute process by creating or signing into a myEquifax account.
If you've previously submitted a dispute, you can check the status by creating or signing into a myEquifax account. Dispute information on your Equifax credit report File or check on the status of a dispute for free. When does filing a dispute make sense for you? How it works.
Check your credit report Checking your credit report can help you spot information that may be inaccurate or incomplete. File a dispute for free If you see information on your Equifax credit report that you believe is inaccurate or incomplete, simply file a dispute , and we'll look into it right away. Updates to your credit report If we do find that information on your credit report needs to be updated, don't worry. What you need to know. What should I look for when reviewing my credit report?
Your credit report includes important information about you, including: Personal information, such as your name, Social Security number, aliases or former names, current and former addresses, and sometimes your current and former employers; Account information, including payment history, account balances and limits, and dates the accounts were opened or closed. This includes credit accounts that may be in your name such as credit cards, mortgages, student loans, and vehicle loans; Bankruptcies and accounts in collections; and Inquiries, which lists the lenders and other companies that have accessed your credit report.
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