How do I dispute an item on my credit calendar?

Here's how to dispute credit report errors with all three credit bureaus: 

EQUIFAX

Online: Equifax Dispute Center

By mail: Download the CFPB dispute form letter

Mail the dispute form with your letter to:

Equifax Information Services LLC

P.O. Box 740256

Atlanta, GA 30348

By phone: Phone number provided on credit report or (866) 349-5191

EXPERIAN

Online: Experian Dispute Center

By mail: Download the Experian dispute form

Experian

P.O. Box 4500

Allen, TX 75013

By phone: Phone number provided on credit report or (888) 397-3742

TRANSUNION

Online: TransUnion Dispute Center

By mail: Download the TransUnion dispute form

Mail the dispute form with your letter to:

TransUnion LLC

Consumer Dispute Center

P.O. Box 2000

Chester, PA 19016

By phone: (800) 916-8800