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How do I correct inaccuracies on my credit report?

If you find an inaccuracy in your credit report or are using Upgrade’s credit health tool and notice inaccurate reporting with a non-Upgrade account, contact the credit bureau that the report is from and request a correction. Visit Transunion, Equifax and Experian’s websites to get specific directions and details on how to file disputes with each bureau online, by phone or by mail.

  • Step 1: Tell the person, company, or organization that provided the incorrect information about you to a credit reporting company that you dispute an item in your credit report.
  • Step 2: Tell the credit reporting company, what information you think is inaccurate. Have the proper documents that support your position handy.
  • Step 3: You should check your credit report from the other bureaus to see if they also had the same error so you can file a dispute with them too.

If you think that Upgrade made an error that now appears on your credit report, contact us at support@upgrade.com.  To speak with an Upgrade Support representative, you may call our toll-free line at (844)-319-3909, Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT. Our address is 2 N Central Ave, Floor 10, Phoenix, AZ 85004.

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