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Frequently Asked Questions

Use our online "Data dispute request form" if you need to perform report updates, disputes, or inquiries on your report (such as "Who is the tradeline listed under Office Supplies?").

At the bottom of your online report you'll see the button titled "Submit data dispute". Click that button to get started. Experian Commercial Relations will handle your request from there.

If you're not seeing the "Submit data dispute" button on your report, or no longer have online access to your report follow this alternate method instead.
It is not uncommon for a business credit score to fluctuate slightly. Experian's proprietary model for business credit scores looks at over 140 modeling variables to derive the Experian Business Credit Score, so there are other factors beyond what is displayed on the business credit report that can cause a score to slightly change or shift.

Factors include, but are not limited to:
  • The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies
  • The status, recent status, frequency and dollar amounts of any applicable liens, judgments, or bankruptcies
  • An increased trend in slow payment of obligations
  • An increase in the number of business credit inquiries or applications that are generated by the business or owner
  • The number of trade experiences, balances outstanding, payment habits, credit utilization, and trends over time
  • Years in business, line of business or Standard Industrial Classification (SIC), size of business and other demographic data
Requests are processed in the order received. Experian works with the source providers that have contributed data to the report and allows them sufficient time to conclude their investigations.

Generally an investigation is completed within 30 days, however, complex cases may take longer.

Updates are processed by Experian's Commercial Relations group reachable at BusinessDisputes@experian.com
Please review our policy on Denied Credit Claims on our BusinessCreditFacts.com website. Examine the section titled: When your request for business credit has been declined. View policy >>.
For assistance with your personal credit questions or issues, please visit Experian's National Consumer Assistance Center at https://www.experian.com/help or call 888-397-3742.

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