Plain-English notes, checklists, and structured reference data for disputing errors on U.S. credit reports with Equifax, Experian, and TransUnion. This repository is meant to help you find official dispute paths and stay organized — not to replace bureau instructions or consumer protection agencies.
Educational purposes only. This is not legal advice or financial advice. Disputing does not guarantee that an item will be removed, corrected, or that your credit score will change.
| Path | Purpose |
|---|---|
docs/transunion-dispute-notes.md |
TransUnion dispute hub and path notes |
docs/experian-dispute-notes.md |
Experian dispute hub and path notes |
docs/equifax-dispute-notes.md |
Equifax dispute hub and path notes |
docs/online-mail-phone-dispute-paths.md |
How online, mail, and phone paths usually differ |
docs/bureau-response-tracking.md |
Tracking submissions and bureau responses |
checklists/bureau-dispute-prep-checklist.md |
Pre-dispute preparation checklist |
data/bureau-resource-map.json |
Machine-readable bureau map |
data/link-map.json |
Credit Plainly and official source index |
Before contacting a bureau, many people find it helpful to read how disputes work under federal consumer rules:
- How do I dispute an error on my credit report? — Consumer Financial Protection Bureau (CFPB)
- Disputing errors on your credit reports — Federal Trade Commission (FTC)
- AnnualCreditReport.com — official site to request free credit reports
Use these pages for current online, mail, and phone instructions. Do not rely on unofficial phone lists copied from forums or old blog posts.
| Bureau | Official dispute hub |
|---|---|
| TransUnion | https://www.transunion.com/credit-disputes/dispute-your-credit |
| Experian | https://www.experian.com/disputes/main.html |
| Equifax | https://www.equifax.com/personal/credit-report-services/credit-dispute/ |
TransUnion also publishes mail and phone details at: https://www.transunion.com/credit-disputes/dispute-your-credit/mail-or-phone
Equifax contact and support (for current mail/phone): https://www.equifax.com/personal/contact-us/
These guides expand on bureau-specific steps, letter drafting, and document prep:
- How to dispute credit report errors
- TransUnion dispute guide
- Experian dispute guide
- Equifax dispute guide
- Dispute letter template
- Credit dispute document checklist
- Promise that a dispute will succeed or that your score will improve
- Provide legal representation or individualized advice
- List unverified bureau phone numbers — use official bureau pages instead
- Replace reading your own credit report and gathering supporting records
This repository is maintained by Credit Plainly, an educational credit literacy project. Suggestions and corrections are welcome via GitHub issues.