How to Call Credit Bureaus to Fix Your Credit
- 1). Order your credit report. Bureaus require you to have a recent copy of your credit report to file a dispute. Order your free report from Annual Credit Report.
- 2). Call the toll-free number on the credit report. The number allows you to reach a live customer service representative who can assist you. This number is different from the general toll-free number found on the website.
- 3). Follow the prompts to enter your credit report number. The system will then give you the option to speak with a live customer service representative.
- 4). File your dispute with the rep. You will need to specify the items you're disputing. The rep will ask you the reason for your dispute. There isn't a limit on the number of items you can dispute in the call, you simply have to state a reason for each dispute, such as "not my account," "paid in full," or whatever explains your particular situation.
- 5). Await your investigation results, which should be sent within 30 days. The bureau will mail the results to the current address listed on your credit report. You will also receive another copy of your report that shows corrections made.
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