 TITLE: Can Credit Report Disputes Lower Credit Scores? CONTENT: How Do Report Disputes Affect Your Credit Scores?\n-------------------------------------------------\nFiling a dispute—the formal name for requesting a correction to your credit report—has no impact on credit scores in and of itself. But if a dispute changes certain types of data in your credit report, that outcome could influence your credit scores. For instance, because late payments can have a strong negative impact on credit scores, removing a misreported late payment from your credit report could result in a credit score increase.\nA dispute only changes the contents of your credit report if the challenged information is inaccurate. Experian and the other national credit bureaus send the dispute to the source of the information to verify it before changing a credit report.\nIf, for instance, you request removal of an account charge-off you consider wrong, but it turns out the lender reported it accurately, the disputed entry will remain on your credit report. In this case, since the item remained unchanged, your credit score would not be impacted by the dispute.\nVariations or typos of personal identification information (name, address, Social Security number and the like) have no impact on credit scores, so a dispute requesting an update or removal of personal information will not result in any change to your scores.\nNote that credit reports list every variation of your name you've used to apply for or obtain credit, potentially including nicknames, unmarried names and previously married names. As long as you recognize them as your own, there's usually no need to file a dispute to update or correct them if you change your name. They will also list previous addresses and may include an address where a bill is received for an account you are on, even if you never lived there.\nOn the other hand, if your credit report contains variations of your name that you've never used, unfamiliar addresses or applications for credit that you didn't make—or if any of your personal info (accurate or otherwise) is connected to loans or credit card accounts you don't recognize—that may be a sign of identity theft or other criminal activity.\nIn that case, visit Experian's online fraud center and have an initial security alert added to your report. The alert lasts for one year or until you ask that it be removed. It warns creditors that you may be a victim of fraud and asks them to verify your identity before granting credit in your name. The alert will help protect you while you take the next steps.\nUse the contact information on your credit report to reach out to the creditor(s) in question to see if unauthorized accounts have been opened in your name. Once you've determined what happened and, if necessary, reported illegal activity to the creditors and relevant law enforcement agencies, contact Experian to notify us which information is related to identity theft so we can help you remove fraudulent information from your credit report. If you find you are in fact a fraud victim and have filed a police report, you can add an extended fraud alert to your credit file.\nIf you dispute transaction-related information in your Experian credit report and the credit report is revised, you can get an updated FICO® Score☉ based on that data for free through Experian to see if it had any impact on your credit score. END