Protecting Your Personal Credit Report and Score

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 wrong information 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.

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:
In a written statement, you are required to provide the following information:

• Your name, address and telephone number
• 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., mortgage, home equity loan, home equity line of credit, credit card, personal loan, auto loan, home improvement 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 begin an investigation into your dispute, you may experience a delay, or we may be unable to investigate your dispute.

Step Two:
Mail your written statement and copies of your supporting documentation to the appropriate address for the product you are disputing:

Disputes on a Personal Loan or Mortgage
TD Bank Operations Center
P.O. Box 219
Lewiston, ME 04243-0219
Use this address if you are disputing information regarding your home equity, mortgage or personal loans, including automobile, recreational vehicle/boat, collateral, unsecured and Moneyline Overdraft Protection.

Disputes on a 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.

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

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.

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. 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.

Read our frequently asked questions to get more information about disputing inaccurate information on your credit report.