Experian Upload Dispute
Do you have an additional relevant information to substantiate your claim? Mail it to Experian’s National Consumer Assistance Center at P.O. Box 4500, Allen, TX 75013, or upload your document at experian.com/upload to submit it online.
What Is Next After Completing Dispute Form?
When you question information on your personal credit report and specifically tell why you believe the information is inaccurate or incomplete, we contact the source of the information directly by telephone, by letter or through an automated verification system.
We ask the source to check their records to verify all of the information regarding the item you questioned and report back within a particular time frame (30 days of the date that we received your request, 21 days for Maine residents).
Afterwards, we receive their response, send you the results of the investigation. If we do not receive a response within 30 days (21 days for Maine residents), we’ll update the item as you have requested or delete the information and send you the results.
When we complete our investigation process, which may take up to 30 days, we’ll send you the results.
I’m Not Owing, Why is my credit card not listed as “paid” on my credit report?
Revolving lines of credit, retail charge cards and bank credit card accounts are open-ended lines of credit. This doesn’t mean that you still owe a balance; it only means that you have credit available.
A “current” status tells creditors that the account is not past due. The report also tells creditors whether the account carries a balance.
Why a collection account showing, I’ve paid?
When your creditor turns over a seriously past-due account to a collection company, your credit report will show the status of the account as “collection.” If you pay the account, the status will be “paid collection.”
How long does an item remain on my credit report?
A credit reporting agency stores information from credit grants and public records, including bankruptcies and judgments.
Potentially negative information, such as missed payments and most public record items, remain on a personal credit report for seven years.
The exceptions are Chapters 7, 11 and 12 bankruptcies, which remain for 10 years. Positive information may remain on a report indefinitely.
Paid closed accounts generally display for 10 years. Requests for your credit history remain on your personal credit report for two years.