Skip to main content

Protecting Your Personal Credit Report and Score

Learn how to dispute your credit report the right way

Every time you perform a financial transaction at TD Bank – from requesting an automobile loan to paying your credit card bill on time – we report that information to the credit bureaus. Over time, that information demonstrates your creditworthiness and determines whether you qualify for more credit.

But what do you do if the information that we report is incorrect or inaccurate? Understanding how to dispute a credit report and get the right information on your record will help you protect and improve your credit score and allow you to build a healthy financial future.

At TD Bank, we follow the rules and process outlined by the federal banking regulatory agencies that allow you to challenge and change incorrect information on your credit report.

How to File a Credit Report Dispute

If you think the information TD Bank has furnished to consumer reporting agencies for your account(s) is not accurate, please follow these two steps:

Step One:

For Mortgages or Home Equity Loans:

Mail a written statement with copies of your supporting documentation to the appropriate address for the product you are disputing.

If you think there's an error, would like to send a request for information, or have a credit bureau dispute related to your mortgage or home equity loan, please write us as soon as possible.

In your letter, be sure to include:

  • Your name, property address, and account number or other identifying information
  • Description of error or information you are requesting
  • Why you believe there is an error
  • Any additional information you think will help us

For Lines of Credit, Credit Cards, Personal Loans, Auto Loans or Deposit Accounts:

In a written statement, please provide the following information:

  • Identifying information such as your name, address and telephone number, account number or the last four digits of your Social Security number - This is not required, but will help to process your dispute.
  • The type of TD Bank product associated with the information being disputed (e.g., home equity line of credit, credit card, personal loan, auto loan, or deposit account)
  • The account number(s) for the account(s) you are disputing
  • A description of the specific information you are disputing and an explanation of the basis for your dispute
  • Copies of documents that support your dispute, as applicable:
    • A copy of your consumer report showing the information that you are disputing
    • Your account statements
    • A court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit
    • Copies of receipts showing account has been paid
    • Copies of cancelled checks showing account has been paid
    • Remember: Do not send original documents.

For your convenience, we've created an optional Consumer Report Dispute Form that you may use as your written statement.
Important Note: If we do not receive sufficient information to identify your account, you may experience a delay, or we may be unable to investigate your dispute.

Step Two:

For Mortgages or Home Equity Loans:

Send your letter to:

TD Bank
Operations Center
P.O. Box 218
Lewiston, ME 04243

Or, if you mail your payment to Fort Pierce, FL, mail it to:

TD Bank
Operations Center
P.O. Box 400
Fort Pierce, FL 34954

If you are unsure of which address to mail your letter, please call us at 1-888-751-9000. A delay may be experienced if the letter is not mailed to the specified address.

For Personal Loans or Home Equity Lines of Credit

Use this address if you are disputing information regarding your home equity line of credit or personal loans, including automobile, recreational vehicle/boat, collateral, unsecured and Moneyline Overdraft Protection.

TD Bank Operations Center
P.O. Box 219
Lewiston, ME 04243-0219

Or, if you mail your payment to Fort Pierce, FL, mail it to:

TD Bank
Operations Center
P.O. Box 400
Fort Pierce, FL 34954

If you are unsure of which address to mail your letter, please call us at 1-888-751-9000. A delay may be experienced if the letter is not mailed to the specified address.

For Disputes on a TD Bank VISA Credit Card
TD Bank Credit Cards
P.O. Box 84037
Columbus, GA 31908-4037
Use this address if you are disputing information regarding your TD credit card.

For Disputes on a TD Retail Card (serviced by TD Bank)
TD Bank Retail Card Services
P.O. Box 731
Mahwah, NJ 07430
Use this address if you are disputing information regarding your credit card issued and serviced by TD Bank, N.A.

For Disputes on a Target Credit Card
TD Bank USA, N.A.
c/o Target Card Services
PO Box 9500
Minneapolis, MN 55440
Use this address if you are disputing information regarding your Target credit card issued by Target and serviced by TD Bank, N.A.

For Disputes about a Personal Deposit Account
TD Bank
ATTN: ME100-36
P.O. Box 9547
Portland, ME 04112
Use this address if you were recently denied opening a new personal deposit account, such as a checking, savings, CD or Money Market, based on information on your credit report.

What Happens Next

We will notify you of the results of our investigation within 30 days of receiving your dispute. A delay may be experienced if the dispute is not mailed to the specified address. We may take up to 45 days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional information that is relevant to our investigation or we need additional time to complete our investigation. If our investigation finds that the information you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to correct the inaccuracy.

Need more information?

Read our frequently asked questions to get more information about how to dispute a credit report.