Deciding on the online method for its speed, Alex followed these steps:

, specifically a final statement showing the account was closed in good standing.

Over the next , Experian contacted the "data furnisher"—the bank that reported the late payment—to verify their records. Alex received periodic email updates through the Alerts section of their account. Resolution

to their Experian account and navigated to the "Start a new dispute" section.

under the accounts section and selected "late payment" as the reason for the dispute.

: For a more formal record, Alex could send a letter via certified mail to Experian at P.O. Box 4500, Allen, TX 75013. The Dispute Process