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How to Dispute Wrong Personal Information on All 3 Credit Bureaus (Equifax, Transunion, Experian) - YouTube
Channel: Money Growth Project
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what's up money growers jacob back here
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with another video coming to talk to you
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guys today about doing a little
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disputing here in the world of credit
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we're gonna be talking about disputing
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personal information okay because hell i
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just
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had to do this uh recently with all
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three credit bureaus and actually more
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than once so what the hell i'll share
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with you guys talking about my
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experience here and all that fun stuff
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right
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so guys go ahead subscribe the channel
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if you guys haven't done so yet thank
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you everybody who subscribed so far so
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many of you i see regularly down there
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in the comments section i see bj i see
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arno i see corey i see my reits i see
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tammy i see kiana uh i see who else i
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see mike down there as well so and some
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of you uh some of you guys got some
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don't use your first name or your real
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name i know you guys got some funny uh
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nicknames y'all like to use so hey
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whatever you're using for your username
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i appreciate that you guys are down
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there helping each other out i've seen
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some of you guys in there regularly
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helping other people who have questions
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when it comes to credit and credit cards
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and things like that i do appreciate it
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because dude not only does it help them
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out a lot but also guys this helps me
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out a lot too okay because some of you
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have had credit cards for more years and
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i've been alive so
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i appreciate the stuff that you guys
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shared down there in the comments
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section because it does help it helps
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teach me as well and i do appreciate
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that and so one of the things we're
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going to be talking about today
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in case you guys have never had to do
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this before is disputing some of your
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personal information when it comes to
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the credit bureaus because uh
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i i forget the statistics 80
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80 something percent of like all credit
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reports have an error on them somewhere
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uh mine do
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i definitely do so i had to dispute
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stuff even if all maybe your credit
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history or payments and stuff is is
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accurate there's a good chance something
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is screwed up with either your name your
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employer uh your date of birth an old
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address a phone number something along
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those lines that's exactly what the case
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was for me and we're going to talk about
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how to do that today now you can do this
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i mean there's numerous ways you guys
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can do this okay and actually someone
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just asked me on the channel about
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specifically about personal information
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they specifically asked about disputing
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personal information they said um
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can i ask about either mailing letters
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or calling and i said you know you can
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mail letters if you want you can mail
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you can um
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give them a phone call i mean i guess
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you could even email too i mean well
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there's actually a system right here
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right you can do this system here online
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we're about to talk about so you can do
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the system here online you can email or
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you can um send letters in you can call
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them so different ways you can do it
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okay i just said you know calling will
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probably be your fastest way that's what
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i've done for this um you know i may do
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some other ways well actually i have
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done it online too because i disputed
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some other stuff here so there's
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different ways you can do it okay it's
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whatever you whatever you feel like
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doing whatever is up to you so i did
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most of this you're about to see through
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calling all right so i just called i'll
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give you guys the phone numbers i called
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here about how i handled it so we'll
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start with equifax first
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because echo fax oh my gosh man
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so if you got any guys that don't know
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um
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echo fax is probably the most
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challenging of all three of the credit
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bureaus to deal with okay experience
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probably the easiest in most things uh
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trans union's probably the next and then
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equifax is like the challenging one so
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with equifax um
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just calling them um i called them
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uh their dispute department well it's
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really they call it customer care
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department okay so i just call it
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dispute customer care that's what it
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says on my phone that's how i have it in
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there so here's the number i called the
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go that makes it a real 800-685-1111
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number now so that's the phone number i
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called and i found it easier to get
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through than just going through the
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regular customer service line and it's
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weird because with some at least said
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but again my experience with some of
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these credit bureaus sometimes it's
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easier to call a direct customer service
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line and get transferred from there
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other times i find it easier to go
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directly to like the dispute department
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it's just weird and you know sometimes
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there's phone numbers i find online that
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are like totally useless
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it's
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yeah as you're seeing it's not so
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straightforward in the world of credit
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so i was able to change my addresses
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over the phone so any address changes
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you do you can do out that over the
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phone with echo fax uh they do send you
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a letter in the mail saying your old
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address or address is however many
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you're on there if you have an incorrect
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address they'll send you a letter
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afterwards saying hey those have been
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deleted um you know so disputing that
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kind of stuff personal info is really
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not a problem for the employer here's
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what they told me the first time i
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called i was told to change your
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employer on there if you got an old
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employer or an incorrect employer
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on there they said i just sent a
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photocopy of social security card and
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driver's license with a cover letter
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stating my new employer in order to
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change it on their report that's what i
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was told initially so i called back
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another time to confirm this information
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to make sure that they had my new
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address updated in there um they
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actually got rid of old addresses and
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there all that kind of stuff make sure
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employer is all squared away and i asked
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about or excuse me this time i called
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ask about the employer about getting it
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squared away and this time the woman i
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talked to she was able to change the
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employer over the phone
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so i was getting two different answers
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from the exact same credit bureau the
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first time they which i thought was
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weird they said okay we can change your
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address over the phone but your employer
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we can't do that over the phone i
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thought it was kind of strange it could
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do one but not the other then i just
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called back another time and then
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um they said okay yeah we can change
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your employer over the phone too i don't
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know go figure so next we'll talk about
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transunion here this is their page here
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if you want to do a dispute you just
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search these guys you search um
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you know equifax dispute personal
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information if you google search trans
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dispute personal information the same
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thing with experian you should be able
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to find these pages here really easily
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so if you want to do this online you can
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you can dispute this kind of stuff right
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and right here it even says you can
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dispute your personal info if you would
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like now with transunion
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i called and i just called the customer
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service directly i didn't call whatever
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like phone number there was for the
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dispute department i found it easier
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take it in just calling the customer
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service direct line and then going from
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there um they may ask you some questions
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uh an automated service to confirm your
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identity before they transfer you or
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they may transfer you then you just
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answer the questions then it just
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depends so they're going to do that uh
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oh the other thing with echo facts too
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is they actually seem to have the most
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the most security questions they ask and
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the most like
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i don't know if i would say stringent or
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bizarre security questions they're just
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in my experience they've been the most
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difficult to handle okay to deal with
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transunion so far not too bad uh that
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was pretty easy just get uh address and
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employer they'll change it over the
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phone for you it was not much of an
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issue with them getting that change and
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the next one we'll talk about the last
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one here is with experience so again you
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search experian you know dispute um you
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can come here online page it's not too
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hard to find if you just google search
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it and you can do it this way or you can
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do what i did where i did make a phone
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call to them for this one i just called
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the regular customer service i did not
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call the direct dispute department i
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currently have my credit monitoring with
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experience that's probably going to
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change they have like a private phone
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number in there for members to call
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that's been a garbage phone number like
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it doesn't even connect anything um in
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my experience so i call this 800 number
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right here
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this is what i used uh they will change
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your address employer over the phone
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experience probably the easiest to deal
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with so they change both those over the
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phone for you they email you the results
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they do pretty much everything via email
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um when you when you deal with them so
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they don't do the whole snail mail like
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uh transunion echo facts experience
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they'll just email you all the updates
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and that kind of thing and general notes
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to follow just for um all of these i
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would say you do want to follow up with
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these later so whether it's you know a
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couple days later a week later a month
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later up to you just down the road you
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do want to just check on this again
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because like experian gave my new
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employer but they freaking misspelled it
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like
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like i can log into my account i see
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they updated my employer but they spelt
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they spelt it wrong so i'm like alright
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great now i gotta go change that i call
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back to change like to update the update
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that they just did and then transunion
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when i called um
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another time default they actually
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didn't even have the address changed
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like they were supposed to so i
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you know did it again called and did it
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again so and then uh some of the stuff
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this is the equity equifax rep told me
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could take up to 30 days for this stuff
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to show up on your credit report so she
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said hey you know um
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this will you know go into our system
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right away and you know we'll send you a
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letter letting you about these changes
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but you know it could be up to 30 days
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before you see this you know when your
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next credit report comes out so he said
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if you don't see it um you know right
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away don't sweat it you know it will
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eventually get uh updated in the future
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and then when it comes to credit report
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uh since you are changing your
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information oftentimes they'll just
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offer you a new credit report if you you
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know they'll say hey we've got this
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information change and we're happy you
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know to send you a credit report uh
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because you're you're disputing personal
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information i mean it's and some people
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might even use the word dispute it's not
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like you're disputing a
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hard inquiry or a late payment or
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something like that some kind of
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negative on your credit report it's just
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your personal information so nonetheless
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though you are oftentimes gonna talk to
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the dispute department you're gonna say
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hey this information is incorrect i need
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this update i need this changed and that
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kind of thing and then they'll do that
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for you so getting a credit report for
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free shouldn't be an issue so oftentimes
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they'll offer to they'll say hey uh
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we'll send you a credit report you know
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you'll get one within the next seven to
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ten business days uh with all your new
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information on it so it shouldn't be
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much of an issue to get another credit
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report just to confirm this stuff but
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again you do want to follow up later
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because
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like you said even here after i've
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talked to them and called several times
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some stuff they spell something
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sometimes they say they update it they
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don't update it it's just
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you kind of never know with the credit
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bureaus there's a way to put it so guys
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that's all i have for this video if
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there's something i missed uh put it
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down in the comments section below any
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other advice you have for people um to
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get their you know personal information
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or any kind of disputing stuff in the
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world of credit put in the comment
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section below please share with
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everybody else so they can learn as well
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i do appreciate you guys watching and
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being so awesome that's it for this
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video and until next time keep growing
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your money
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