 TITLE: How to Dispute Credit Report Information CONTENT: TransUnion and Equifax have their own processes for disputing credit reports, but Experian provides three methods for submitting disputes:\n*   **Online**: Get access to your Experian credit report and initiate a dispute at the Experian [Dispute Center](;phx=disable&op=FRCD-ASK-ART-102-MDL-XXXXXXX-XX-EXP-VMAC-DIR-817XXX-21273X-XXXXX) (more on that below). There is no cost to you for using this service.\n*   **By phone**: To initiate a dispute by phone, you'll call the number displayed on your Experian credit report. If you'd like to have a copy of your credit report delivered to you by mail, call 866-200-6020.\n*   **By mail**: You can dispute without a credit report by writing to Experian, P.O. Box 4500, Allen, TX 75013. (Printing out Dispute by Mail instructions can streamline the process; you can also scan the completed form and submit it electronically to Experian.com\/upload). END