How to Dispute Your Equifax Credit Report

Anxious to remove bad credit from your Equifax credit report?

Your first step is to obtain a copy of your Equifax Credit Report and look for errors, inaccurate items, undesirable information and/or information that is misleading.

Damaging credit items include:

• charge-offs
• judgments
• bankruptcy and included in bankruptcy
• foreclosure
• repossessions - auto, boat, or other property
• wage garnishment
• late payments
• collections, paid collections, settled accounts
• public records/judgments

Your second step is to write an Equifax dispute letter. You will need to include your personal information and reason for the dispute. In other words, you need to say why you believe the information is inaccurate.

The final step is to wait 30-45 days for the results.

What Happens After I Mail my Dispute Letter?
If you win your dispute with Equifax, you should then continue to clear up any unresolved issues including remaining bad credit that you feel is questionable or inaccurate. Once you eliminate all traces of bad credit, you should focus on resolving any other discrepancies such as address and employment information.

When a dispute is resolved in your favor, Equifax will remove the disputed information entirely from your credit report. On occasion, the credit bureau will update an item with newly acquired information. This new information can be good or bad depending upon what the creditor reports to Equifax. For instance, Equifax may update a collection account with the most recent balance owed.

This is bad and will require escalated dispute methods!

What to Do if You Lose Your Equifax Dispute

If you lose your Equifax dispute, the negative items will stay on your report possibly for the next 7-10 years!

If this happens, you still have options so don't panic!

Methods beyond a simple dispute are more advanced and require the help of a professional - such as a paralegal or credit attorney. Lexington Law's credit lawyers use advanced techniques such as creditor interventions, payment for deletion, debt validation, and more.

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