Does Disputing Inaccurate Information on your Credit Report Lower your Credit Scores?

Disputing inaccurate information on your credit report does not lower your credit scores. Experian encourages you to dispute any information you believe may be inaccurate. Experian's goal is to ensure that we have accurate information, and you play an important role in that. The fastest, easiest and safest way to initiate a dispute is online using Experian's Dispute Center.

What If Credit Information is Changed as a Result of the Dispute?

While the act of disputing information on your report has no impact on credit scores, any change to information in your credit report as a result of the dispute could potentially cause an increase or decrease in scores.
For example, if you dispute negative information such as a late payment or charge off and it is removed as a result of your dispute, your credit scores may increase.

Identifying information such as names and addresses have no impact on credit scores, so updating or removing personal information will not result in any change to your scores. It's important to understand that Experian lists all variations in name, address and Social Security number reported as belonging to you. That information is not inaccurate. It is an accurate representation of the information being reported as in your creditors' files. Experian includes the information so that you have a complete record of what is being reported.

Variations in names, addresses or Social Security numbers may be indicators of identity theft and can alert you so that you can take action to stop the activity. Experian can assist you with protecting your credit history and having fraudulent information removed.

How to File a Dispute

If you find information in your personal credit report that you believe is inaccurate, you can dispute a few ways:


  • You can dispute information online 24 hours a day, seven days a week, 365 days a year through Experian's online Dispute Center.


  • To submit a dispute by phone, please call the number displayed on your credit report to speak with an agent. To request a copy of your personal credit report to be delivered by U.S. mail, call 1 888 397 3742.

Check out the scope to hear answers to all the questions asked.

Do You Have Questions About Credit?

Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Consumer Education and Awareness at Experian, is available to answer your questions live.
Scoped on: 5/07/2019