Cómo disputar errores en tu reporte de crédito
Puedes disputar gratis cualquier error en tu reporte de crédito directamente con Equifax, Experian y TransUnion. Primero obtén tus reportes gratis en AnnualCreditReport.com. Luego envía una carta o disputa en línea explicando qué está mal, con copia de tu identificación, comprobante de domicilio y pruebas. La agencia generalmente tiene 30 días para investigar. No necesitas pagar a una compañía de reparación de crédito: nadie puede borrar legalmente información negativa que sea correcta.
También en inglés: direcciones para enviar disputas y robo de identidad.
AI-assisted drafting, human-reviewed and source-checked before publication — how we create content.
¿Hay algo en tu reporte que no es tuyo? Así lo disputas paso a paso.
Direcciones para enviar tu disputa
Confirma en el sitio de cada agencia antes de enviar.
| Agencia | Dirección |
|---|---|
| Equifax | Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256 |
| Experian | Experian, P.O. Box 4500, Allen, TX 75013 |
| TransUnion | TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000 |
Qué incluir
- Tu nombre completo, dirección, fecha de nacimiento y últimos 4 dígitos del Seguro Social.
- La cuenta exacta, qué está mal y qué quieres que corrijan o eliminen.
- Copias (no originales) de tu identificación, comprobante de domicilio y pruebas.
- Guarda copia de todo y el recibo del correo certificado.
Si la disputa no funciona
Puedes presentar una queja gratis ante la Oficina para la Protección Financiera del Consumidor (CFPB) en consumerfinance.gov, también disponible en español. Si alguien abrió cuentas a tu nombre, repórtalo en RobodeIdentidad.gov.
CreditKaren es una herramienta gratuita que analiza tu reporte de crédito (actualmente en inglés). No somos una compañía de reparación de crédito y no garantizamos resultados. Prueba CreditKaren gratis.
Frequently asked questions
What to gather first
- A current copy of each credit report you want to review (Equifax, Experian, TransUnion) from AnnualCreditReport.com.
- Government-issued photo ID and proof of current address, which bureaus commonly request with a mailed dispute.
- Account statements, payment records, or letters that relate to the item you believe is inaccurate or incomplete.
- The exact account name, partial account number, and the reason you believe the entry is inaccurate or incomplete.
- A way to keep records: copies of what you send and, if mailing, proof of delivery.
Common mistakes to avoid
- Disputing information you know is accurate — that wastes the process and does not help you.
- Sending a vague dispute. Identify the specific item and explain what is inaccurate or incomplete.
- Disputing with only one bureau when the same entry appears on more than one report.
- Keeping no copies of what you sent, so you cannot show what was disputed or when.
- Paying a company that promises deletions or score increases — no one can promise those outcomes.
When to get additional help
Consider additional help if a bureau or furnisher does not respond, if an entry you believe is inaccurate stays on your report after a reinvestigation, if you may be affected by identity theft, or if you have questions about your legal rights.
- Submit a complaint to the Consumer Financial Protection Bureau.
- Report suspected identity theft at IdentityTheft.gov (FTC).
- For legal questions, consider consulting a licensed attorney in your state. This page is educational information, not legal advice.
How CreditKaren can help
CreditKaren is a free, AI-assisted tool that reviews a credit report you upload and highlights entries that may be inconsistent, incomplete, or worth a closer look. If you decide an item may be inaccurate or incomplete, CreditKaren can draft a dispute letter you can review, edit, and send yourself.
CreditKaren is not a law firm, credit bureau, lender, or credit-repair organization. It does not provide legal advice and does not guarantee deletions, dispute outcomes, or changes to your credit scores. You decide what to dispute and you send every letter.
Important limitation
Sources and further reading
Review your own credit report with CreditKaren
Use CreditKaren's AI-assisted educational tool to organize report entries you may want to investigate for accuracy. You review every result and decide whether to take action.
CreditKaren does not provide legal, financial, lending, or credit-repair advice. No dispute, deletion, score increase, approval, or other outcome is guaranteed.
Start an Educational Report ReviewWho wrote this & how we work
This page is maintained by CreditKaren to answer common questions about the Fair Credit Reporting Act and our free AI-assisted educational credit report review tool. It reflects current practices in the app and is not legal or financial advice.
Written by the CreditKaren Editorial Team. Every guide references FCRA, FDCPA, and CROA statutes with links to the U.S. Code.
AI assists our drafting. Official sources are linked and verified, and a human on the editorial team reviews every page before publication.
How CreditKaren parses your report, which patterns count as FCRA §611/§623 violations, and why each dispute letter is generated.
Free, ad-supported, and independent — not a law firm and not a credit-repair organization under CROA. You review and mail every letter.
CreditKaren does not require an account to use the educational report review. See our Privacy Policy for information about how CreditKaren handles uploaded reports and related data.