How to Dispute Credit Information on Experian Without Buying a Credit Report
- 1). 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.
- 2). 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.
- 3). 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.
- 4). Read through your Experian credit report carefully, looking for any errors. Make a note of any incorrect credit information.
- 5). 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.
