 TITLE: Can Credit Report Disputes Lower Credit Scores? CONTENT: What to Do if You Disagree With the Outcome of a Dispute\n--------------------------------------------------------\nIf you are unsatisfied with the results of a dispute investigation, you can take the following steps:\n*   **Contact the data furnisher(s).** If you have evidence that a lender, credit card issuer, collection agency or government agency has provided inaccurate information to one or more national credit bureaus, locate the contact information for that entity on your credit report or online and use it to ask them to correct their records—and to revise your credit files accordingly. The Fair and Accurate Credit Transactions (FACT) Act requires that the source initiate a dispute on your behalf if you ask them to.\n*   **Add a statement of dispute to your credit report.** A statement of dispute lets you explain why you believe the information in your credit report is incomplete or inaccurate. Your statement will appear on your Experian credit report whenever it's accessed or requested by a potential lender or creditor, and the lender may ask you for more details or documentation as part of their review or application process. To add a statement of dispute, go to the Experian Dispute Center webpage, choose the disputed item in question, and select Add a Statement from the menu of dispute reasons.\n*   **Resubmit a dispute with additional information.** If you have additional evidence to substantiate your claim, you can submit a new dispute. If you're filing the dispute online, follow the steps listed above for using the Dispute Center, and use the upload link to submit your supporting documentation. END