How to Update Information on Credit Reports

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A credit report is a summary of a person's financial history. A credit report typically contains information, such as all past and present debts, bankruptcies, payment histories, current and past employers, and current and past addresses. Generally, information reported by creditors to all three credit bureaus about an individual is in turn included in that individual's credit report. Therefore, one way to ensure that the information disclosed on one's credit report is accurate is to provide accurate up-to-date information to creditors.

Examine your credit report thoroughly from all three credit bureaus (Equifax, Experian and TransUnion), and note which credit bureau is reporting information about you that needs to be updated.

Credit bureaus may report certain information about you differently. For example, one credit bureau may report that your previous employer is still your current employer. Therefore, it is important to check for any inconsistencies in your credit report.

Contact the credit bureau that reported information about you that needs to be updated, and request an investigation.

One of the fastest ways to have information updated on your credit report is by placing a request for investigation online with the specific credit bureau.

Wait for the specific credit bureau to investigate the inaccurate information with the creditor who reported the information to the credit bureau. Note that as soon as a credit bureau investigates inaccurate information on a credit report, the creditor will also conduct its investigation before responding to the credit bureau on whether the information reported was indeed inaccurate. Note that a creditor generally has up to 30 days to investigate inaccurate information.

Once a creditor has concluded its investigation and found that the information reported about you was indeed accurate, the credit bureau that originally reported the inaccurate information will update the information on your credit report. As a result of this process, a request for investigation could take several weeks.


  • You also can also update you credit report by contacting the specific credit bureau that reported inaccurate information about you in writing. Be sure that your letter contains your signature, full name, birth date, Social Security number, the name of the creditor that reported inaccurate information, and the inaccurate information and why you disagree with the information.
  • Equifax
  • P.O. Box 740241
  • Atlanta, GA 30374-0241
  • TransUnion
  • 2 Baldwin Place
  • P.O. Box 2000
  • Chester, PA 19022
  • For Experian, you must use its online dispute process.



About the Author

Eric Som has been writing professionally since 2002, contributing to various websites. He is certified through the Association of Certified Fraud Examiners. Som holds a Bachelor of Arts in English and a Bachelor of Laws from Handong Global University. He also has a Juris Doctor degree from an Ohio law school.