Experian

• 1). Open your Internet browser and go to the Experian web page for online disputes, in Resources.
  
  
• 2). Get a credit report from Experian. Experian requires you to provide the credit report number of a report you received from the company within 90 days to use in the dispute. If the Experian credit report has been requested more than 90 days ago, you need to request a new report. You have several options to get a credit report on that page if you don't have one. Annualcreditreport.com and the link labeled "Denied Credit?" provide you with free reports. The first link is used if you haven't requested your free Experian credit report this year. Use the second if you received a denial letter after applying for credit. You may also purchase a report from Experian or sign up for the credit monitoring subscription service to get a report number.
  
  
• 3). Choose the option labeled "Yes, I have a credit report number." Check your report for the number at the top of the page and enter this into the field. Enter your personal information so Experian can confirm your identity. Click "Submit."
  
  
• 4). Look through the list of accounts on the Experian credit report. Click "Dispute this item" for bad credit accounts that are not reporting accurately, are too old to be reported or that aren't even yours. Specify the reason you're disputing the account and click "Submit Your Dispute." Experian contacts the company that handles the disputed credit accounts and verifies all information for the account. The credit report is updated with the correct account information within 30 to 45 days of the dispute. If Experian cannot get in contact with the creditor or company to update the information, the account is deleted.
  
  

Transunion

• 1). Use your web browser to navigate to TransUnion's online dispute area. Log in to your TransUnion account if you have already set one up. Click "First Time? Click Here" if you have never used a TransUnion service before. Once you have registered for an account, go back to the main dispute page and log in.
  
  
• 2). Click the "Credit Report" section on the top of the page and click the "Report Inaccuracy" link under that if you are not sent to the dispute page with the "Submit Dispute" button immediately after logging in. Logging in from TransUnion's dispute page should send you to the proper place automatically, however.
  
  
• 3). Choose the "Submit Dispute" option to start the Transunion dispute process. Look through the displayed report to find your bad credit account. Click "Request Investigation" and tell Transunion what the problem is with the account. Click "Submit." TransUnion will contact the creditor, court or collection agency to gather the accurate information on the account. The investigation takes 30 to 45 days. Once TransUnion completes the investigation, the account is updated with the new information from the company or it is removed if TransUnion cannot receive a response.
  
  

Equifax

• 1). Bring up Equifax's webpage for online disputes.
  
  
• 2). Skip the credit report number field if you haven't gotten an Equifax credit report recently. Put in your name, address, social security and other requested information. Click "Submit." The next screen displays a few questions used to prove you are who you say you are. Answer the questions and click "Submit."
  
  
• 3). Click "Start a new dispute" to begin the dispute process. Click "Dispute this item" when you find an account that needs to be disputed. Provide the dispute reason and click "Add dispute." Equifax gets in touch with the company that owns the disputed account. The information is reviewed and changed if needed so it is accurate. Equifax deletes the account if the company cannot be reached. This process takes between 30 to 45 days.