Consumer Credit Disputes

How do I dispute inaccurate information on my credit report?

There are a few options available to you—online at; by calling the bureaus directly, by mail, or by working with Advantage Credit Inc.

Are you wondering why Advantage Credit is displaying on your report?

Give us a call at 800-670-7993, and ask to be transferred to the Consumer Disputes department, and we can tell you the name of the creditor who used our services to pull your report.

If you wish to log a dispute, let’s first determine how you obtained the report that shows the items you wish to dispute.

If the report you are disputing came from your creditor/broker/loan officer, and that report was obtained through Reseller ‘Advantage Credit, Inc.’, we are happy to assist you with your dispute or you may go directly to the bureau to make your dispute. To dispute through Advantage Credit, please download and fill out the Consumer Credit Dispute Form and email it to or call 800-670-7993 to speak to a representative.

If the report you are disputing came from another Reseller or directly from one of the 3 bureaus (Experian, Trans Union or Equifax), you can initiate your dispute by contacting that Reseller or Experian, Trans Union and Equifax directly or online through

Say you’ve opted to dispute an item on your report through Advantage Credit, what are next steps?

Before you call us at 800-670-7993, make sure you have the following available: your full name, generation code (if applicable), current mailing address, Social Security Number (“SSN”), and any former addresses in the past 2 years including zip code.
Our representative will walk you through the process and request any additional information that is needed while on the call.


National Consumer Assistance Center
PO Box 9556
Allen, TX 75013


PO Box 740241

Trans Union

Consumer Relations
760 Sproul Road
PO Box 403
Springfield, PA 19064

Sample Dispute Letter

This is a formal letter for disputing error directly with the three credit bureaus, Experian, Equifax & TransUnion, recommended by the FTC. For more information, visit the FTC’s website at


Your Name
Your Address
Your City, State, Zip Code
Social Security Number
Date of Birth

Complaint Department
Name of Credit Reporting Agency
City, State, Zip code

Dear Ladies and Gentlemen:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputes item(s) as soon as possible.


Your name

Enclosure: (List what you are enclosing)

Advantage Credit, Inc. will initiate disputes with the repositories on behalf of a borrower, at no charge, in accordance with section 611 of the FCRA

Disputed information will be reviewed and submitted to the repositories within 5 days of receipt. The bureaus have 30 days to reinvestigate the disputed item(s). If, within the 30 day time frame, additional information/documentation is received from the borrower regarding the dispute this time frame may be extended an additional 15 days. There may be some disputes that the repositories deem ineligible for an online dispute, in which Advantage Credit will have to mail the dispute. In this case the 30 day time frame will begin from the time the repositories have received the mailed dispute.

Note: Advantage Credit may submit disputes on behalf of the consumer only if a client has accessed a credit report through Advantage Credit. The repositories will notify Advantage Credit Inc. of the results of tradeline disputes within the allowed time frame. Advantage Credit Inc. will mail these results to the consumer. These results cannot be forwarded electronically.