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Something is incorrect on my Equifax credit report. How do I dispute an item with Equifax?

If you find an error in your Equifax credit report, you’ll need to dispute it directly with Equifax. We can walk you through the key steps of the process so you know what to expect.

Step 1: File a dispute with Equifax

Before you begin your dispute, make sure you have your most up-to-date Equifax report handy. Keep in mind that recent credit activity may not be reflected on your report immediately.

A simple way to file a dispute with Equifax is through their online dispute center. You can get started here

If you’d prefer to dispute errors by mail, Equifax provides detailed instructions here. 

Step 2: What to expect after filing your dispute

Equifax says it will notify you of the results of the investigation within 30 days of your request.
Once the investigation is complete, Equifax will let you know whether the information will remain, be modified, or be removed from your report. Filing a dispute request does not guarantee that Equifax will find that the information on your report should change.

Step 3: Seeing the change on Credit Karma

If your dispute results in changes to your Equifax credit report, the information you see on Credit Karma will be corrected after we receive the updated information from Equifax. Please note that Equifax must make the initial change. Credit Karma does not edit any of the credit report information you see. 

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