The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach.
If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it.
Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address. To submit a dispute online visit Experian's Dispute Center.
If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested.
Additionally, you may obtain a free copy of your report once a week through April at AnnualCreditReport. Learn more. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice.
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Your Money. Personal Finance. Your Practice. Popular Courses. Part Of. How Scores Are Calculated. Getting a Free Score. In other words, a credit score has nothing to do with how well you handle your money. But it does show how well you play around with debt. Despite what your real estate agent might say, you can buy a home without having a credit score.
Allow us to introduce you to a wonderful thing called manual underwriting. You can get a mortgage without a FICO score, as long as you find a company that still does manual underwriting. Sounds pretty straightforward, right? Start living on a budget and pay for things with money you actually have. Then make a plan to pay off whatever current debt you have as fast as you can. So hit the road, credit score! Hasta la vista! Millions have done it and you can too!
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