Dispute your credit report

Are errors on your credit report weighing down your score? LifeLock’s expert identity theft restoration team provides priority support to members, helping you dispute fraudulent changes and ensure your credit file reflects your financial reality.

30-day free trial. Payment method and subscription required. Details below*

Annual credit report¹

Daily credit scores¹

Identity theft alerts²

Credit file lock³

A woman disputes an unfamiliar loan on her credit report after receiving a LifeLock credit inquiry alert.

Spot changes to your credit file early

Constant credit report monitoring can catch unauthorized changes before they snowball. Of course, no one has time to watch their credit reports 24/7. But with LifeLock Ultimate Plus, a robust suite of credit monitoring tools helps you quickly discover credit report errors and take action to dispute them.

30-day free trial. Payment method and subscription required. Details below*

Benefits of using LifeLock Ultimate Plus to monitor credit and dispute errors

LifeLock Ultimate Plus helps you to stay on top of your credit by keeping tabs on credit report changes and other financial activity, as well as helping to protect your identity and recover from fraud.

Fraud detection

Identify changes to your credit file so you can quickly dispute inaccuracies.**

Suspicious activity alerts

Set up identity, financial, and criminal activity alerts that notify you of potential trouble.2

Restoration assistance

Get expert guidance to dispute fraudulent information on your credit report.

Stolen wallet protection

Cancel your cards after losing your wallet to help stop others from accessing your accounts.

Bank & credit card activity alerts

Find out about unauthorized charges before they become delinquencies.2

401(k) & investment account alerts

Stay on track for retirement by catching changes to your financial accounts.2

From suspicious activity alerts to restoration assistance, LifeLock Ultimate Plus helps you detect credit file changes and take action to dispute potential fraud and protect your finances. Start safeguarding your credit and financial future today.

30-day free trial. Payment method and subscription required. Details below*

Real-life experiences of using LifeLock Ultimate Plus

A LifeLock Ultimate Plus membership helps you monitor your credit history and safeguard your financial accounts. But don’t just take our word for it.

How LifeLock makes monitoring your credit and disputing errors easier

LifeLock Ultimate Plus takes the stress out of credit report monitoring by sending credit report, finance, and identity alerts directly to your phone. And if the worst happens, our dedicated specialists will help guide you through the identity theft recovery process.

Transactions and bank accounts are monitored by LifeLock for potentially suspicious activity.

Bank & credit card activity alerts

We monitor your bank and credit card activity for potentially suspicious transactions, withdrawals, and transfers to help you catch fraud before it does long-term damage to your credit.2

Identity theft alerts

Get identity theft alerts to help find out if a criminal tries to open a line of credit or apply for government benefits using your Social Security number or other personal information.2

A woman checks the identity theft alert she received.
A man investigates a LifeLock alert notifying him that someone was arrested using his personal information.

Crime alerts

We scan court records to locate criminal activity associated with your name and birthday so you’ll know if criminals may have been using your information fraudulently.1


Catch credit report errors more quickly

LifeLock Ultimate Plus lets you access a free annual credit report, and it provides daily credit-score tracking and convenient mobile alerts to help you catch errors quickly, resolve disputes, and protect against identity fraud. Get a LifeLock membership today to strengthen your defenses and secure recovery assistance if the need ever arises.

30-day free trial. Payment method and subscription required. Details below*

Get the support you need to help safeguard your credit

A woman uses LifeLock’s restoration services to recover from identity theft.

Identity theft restoration specialists

Let our restoration specialists guide you through every step of the recovery process, including helping you dispute credit report errors caused by potentially fraudulent activity.

Annual three-bureau credit report

Claim your free credit report every year to confirm it’s correct. LifeLock Ultimate Plus empowers you to take control by sharing data with you from all three bureaus—Equifax®, Experian®, and TransUnion®.1

A woman uses LifeLock to check her credit score and report.

Dispute credit report errors to help keep your credit secure

Even small credit report errors can significantly weaken your credit score, so it’s essential to catch them quickly. With LifeLock Ultimate Plus you’ll receive automatic alerts when your credit file changes and, if you ever need it, help from expert restoration specialists to dispute errors related to identity theft.

30-day free trial. Payment method and subscription required. Details below*


Still have questions about disputing credit report errors? Here’s what you need to know.

You can dispute any inaccurate or incomplete information on your credit report, including:

  • Personal information like your address or Social Security number.
  • Account errors like payment history, credit limits, and account statuses.
  • Fraudulent additions like accounts you never opened. 
  • Unauthorized inquiries from lenders. 
  • Incorrect public records about bankruptcies, foreclosures, and tax liens.

Disputing errors on your credit report is a good idea if you notice potential inaccuracies. Doing this can help protect your identity and improve your credit score by removing inaccurate negative marks that unfairly lower it. Disputing your credit report can also help you improve your chances of qualifying for better loans, rentals, and interest rates down the road.

If you find errors on your credit report, you should gather any documents you have to support your claim and dispute them directly with the credit bureau. In cases where you suspect fraud, you can also contact the LifeLock member support team for help. Our restoration specialists can help you prepare to dispute inaccurate information on your credit report.

Disputing an error on your credit report doesn't guarantee removal—just that the credit bureau will investigate your claim. If they find incorrect information on your credit report during their investigation or a creditor fails to verify the debt, they should delete it within 30 days. If not, the information will stay on your credit report.

Yes. By law, you’re entitled to dispute credit report errors free of charge. You can do this by directly contacting the credit bureaus. Or, if you’re already using a credit reporting tool like LifeLock Ultimate Plus, which offers dispute resolution support related to identity theft, you can take advantage of those services if you think your identity may have been stolen.

The Fair Credit Reporting Act (FCRA) grants national credit bureaus 30–45 days to wrap up credit dispute investigations. However, it will usually get resolved much sooner than that.

You can dispute an Experian credit report in three ways:

  • Online: Head to Experian's disputes portal and follow the prompts.
  • By phone: Call Experian at 1-888-EXPERIAN (1-888-397-3742). 

By mail: Send a dispute letter detailing the error to Experian, P.O. Box 4500, Allen, TX 75013.

You can dispute an Equifax report in two ways:

By mail: Send copies of the necessary documents and the completed Equifax dispute form to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA  30374-0256.

You can dispute a TransUnion credit report in several ways:

  • Online: File a dispute directly on TransUnion's website.
  • Phone: Call TransUnion at 1-800-916-8800.

Mail: Send a written dispute request to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000.


* Automatically renews annually after the trial period ends, unless canceled. The price quoted in the cart today is valid for the introductory term after the trial, after which your subscription will be billed at renewal pricing. Renewal pricing is subject to change and may be charged up to 35 days before the active term ends. For support or to cancel automatic renewal, log into your account or contact support.

LifeLock Ultimate Plus: A yearly subscription is just $ 239.88/for the first year after the free trial, then only $ 339.99/year after. 

1The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

2We do not monitor all transactions at all businesses.

3Identity Lock cannot prevent all account takeovers, unauthorized account openings, or stop all credit file inquiries. The credit lock on your TransUnion credit file and the Payday Loan Lock will be unlocked if your subscription is downgraded or canceled.

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** Credit features require setup, identity verification, and sufficient credit history by TransUnion and/or Equifax. Credit monitoring features may take several days to activate after enrollment.