If you believe that your credit report contains inaccurate or incomplete information, you can dispute it directly with the agency that’s reporting it. The following links will help you get started.
Topics in this article:
- Contact Equifax
- Contact Experian
- Contact TransUnion
- Contact Innovis
- Contact LendingClub
- Protect your credit
Contact Equifax
- Online: https://www.equifax.com/personal/credit-report-services/credit-dispute/
- Phone: 866-349-5191
Contact Experian
- Online: https://www.experian.com/disputes/main.html
- Phone: 1-888-EXPERIAN (1-888-397-3742)
Contact TransUnion
- Online: https://www.transunion.com/credit-disputes/dispute-your-credit
- Phone: 833-395-6938
Contact Innovis
- Online: https://www.innovis.com/personal/disputeResolution
- Phone: 1-866-712-0021
Contact LendingClub
You can also reach out directly to LendingClub with your dispute information. When doing so, include a printed copy of your consumer disclosure (credit report) with the specifics of your dispute highlighted, as well as a completed dispute form. You can get a copy of your credit report at any of the following:
We can't consider reporting information from the following:
- CreditKarma.com
- Myfico.com
- Intuit Mint
So we can quickly and accurately review your claim, make sure to complete all information on the dispute form before mailing the information to us.
Once you have completed the dispute form, obtained a credit report from one of the listed sources, and gathered any other applicable information, please mail it to:
LendingClub
Attn: Credit Dispute
595 Market Street, Suite 200
San Francisco, CA 94105
We recommend sending your documents by certified mail.
Protect your credit
The first steps to protecting your credit and improving your credit score are monitoring your credit for accuracy and understanding where your credit stands. Here are some tips on how to get started:
- Take advantage of your free, yearly credit reports from AnnualCreditReport.com. Check your credit report to make sure it's accurate.
- Keep an eye on your credit report. Ask your credit card provider if they offer free monitoring services.
- If you find an error in your report, promptly dispute it.