 TITLE: Why Is the Credit Card Balance on My Credit Report Different? CONTENT: How to Dispute Inaccurate Credit Report Information\n---------------------------------------------------\nIf you believe there is inaccurate information on your credit report that could be hurting your score, you can dispute it with the credit bureau on whose report the information appears. Filing a dispute does not itself affect your credit score. However, correcting inaccurate information or adding missing information that positively reflects on your credit usage may help improve your credit score.\nYou can get a free copy of each of your credit reports from the three national credit bureaus at AnnualCreditReport.com. If you review your reports and find information you believe is incorrect, you'll need to dispute it separately with each credit bureau that has the information. Each credit reporting agency has its own process for filing disputes, so you'll need to check the specific one to find what steps you need to take.\nYou can file a dispute with Experian online, by phone or by mail. Once you've filed a dispute, you'll receive notifications of the progress of the dispute and its final resolution. END