Equifax vs Experian vs TransUnion
Errors can appear differently on each bureau. Here's how to dispute with all three.
Important: If you find an error, dispute it with every bureau where it appears — not just one. The same error can appear differently on each bureau's report.
Feature
Equifax
Experian
TransUnion
Online dispute portal
Yes
Yes
Yes
Phone dispute
Yes
Yes
Yes
Mail dispute
Yes
Yes
Yes
Response time
30 days
30 days
30 days
Free credit report
Yes
Yes
Yes
Identity freeze
Yes
Yes
Yes
Best for
Mortgage and lending disputes
Disputes + Experian Boost
Employment screening disputes
File your dispute directly
Equifax
Best for disputes involving mortgage and lending accounts
Experian
Disputes + ability to boost score with Experian Boost
TransUnion
Disputes involving employment screening
Disputing errors is free. You are never required to pay to fix errors on your credit report.