Learn how to dispute errors, remove inaccurate information, and understand your credit report rights in New Jersey.
Under federal law (FCRA), you have the right to dispute inaccurate information on your credit report. New Jersey may provide additional protections.
Disputes are free. Credit bureaus must investigate within 30 days.
You have credit reports with each of these bureaus. Check all three—they may contain different information.
equifax.com
1-800-685-1111
experian.com
1-888-397-3742
transunion.com
1-800-916-8800
The Fair Credit Reporting Act gives you important protections.
One free credit report from each bureau every 12 months through AnnualCreditReport.com
You can dispute any information you believe is inaccurate, incomplete, or outdated
Credit bureaus must investigate disputes within 30 days and notify you of results
If information is found to be inaccurate, it must be corrected or deleted
You can add a brief statement to your file explaining disputed items
You may be able to sue for damages if your FCRA rights are violated
Request free reports from all three bureaus at AnnualCreditReport.com
Check personal info, accounts, inquiries, and public records for inaccuracies
Collect any documents that support your dispute (statements, letters, etc.)
File disputes online, by mail, or by phone with each bureau showing the error
The bureau has 30 days to investigate and respond to your dispute
Check the results and request a new report showing corrections
Criminal records and eviction filings may also be affecting your opportunities.
Disclaimer: This information is for educational purposes only and does not constitute legal advice. Credit laws can be complex. Consider consulting with a consumer rights attorney for specific guidance.