Each day, I am inundated with questions from my readers. If you want to send in a question, send it to firstname.lastname@example.org. Here is one that I received recently that I want to share with you.
I keep disputing incorrect information on my Equifax report, and they keep saying “completed” and not fixing it. Mainly, I’m trying to get them to fix my current address. I’ve disputed what’s listed as my current address twice. It’s listing an old address. The best I’ve been able to do is get my current address listed as a previous address and the oldest address is still being listed as my “current address.”
Any tips on getting this process to actually work?
You have to do it in writing and via certified mail. Do not dispute addresses/social security numbers or your date of birth online.
Supporting documentation is needed for some disputes, such as name, address, and updates to your Social Security Number. You will be asked to submit the below information if you dispute personal identification information online.
- If you report an inaccuracy or change to your name or date of birth, you will need to send them a copy of your driver’s license reflecting this change.
- If you report an inaccuracy or change to your current address, you will need to send them a copy of your driver’s license or a utility bill reflecting this change.
- If you report an inaccuracy to your social security number, you will need to send them a copy of your social security card or a W-2 form.
To dispute your Equifax credit file by mail:
Equifax Information Services, LLC
P.O. Box 740256
Here is the dispute form link: http://www.equifax.com/cp/MailInDislcosureRequest.pdf
This should get the job done…
What Do You Think?
Have you tried to dispute these items online before? Did it work? Did you dispute them via the mail? How did that go? Share your story here!