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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 this 2-step process for the account(s) in question.

To file a credit report dispute, use this mail-in form.

Download form (PDF)

Step 1: 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:

  1. Your name, property address and account number or other identifying information

  2. Description of error or information you are requesting

  3. Why you believe there is an error

  4. Any additional information you think will help us

Step 2: For mortgages or home equity loans

Send your letter to:
TD Bank Operations Center
P.O. Box 218
Lewiston, ME 04243-0218

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

TD Bank Operations Center
PO Box 1448
Greenville, SC 29602

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.

Step 1: For personal loans, auto loans and home equity lines of credit

In a written statement, please provide the following information:

  1. Identifying information: name, address and telephone number

  2. Type of TD product associated with the dispute (e.g., home equity line of credit, personal loan or auto loan)

  3. Account number(s) for the account(s) you are disputing or your Social Security number

  4. Description of the specific information you are requesting or disputing. If you are disputing information, please provide an explanation of the basis for your dispute

  5. Copies of documents that support your dispute, as applicable:

    • Copy of your consumer report showing the information you are disputing
    • Account statements
    • Court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit
    • Copies of receipts or cancelled checks showing account has been paid
    • Remember: Do not send original documents

For your convenience, we created an optional Consumer Report Dispute Form (PDF) you may use as your written statement. The written statement should be mailed to the correct address below.

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 2: For personal loans, auto loans and home equity lines of credit

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

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

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

TD Bank Operations Center
PO Box 1448
Greenville, SC 29602

Use this address for TD auto loans:

TD Auto Finance
PO Box 9223
Farmington Hills MI 48333

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.

Step 1: For credit cards

In a written statement, please provide the following information:

  1. Identifying information: name, address and telephone number

  2. Type of TD credit card associated with the dispute

  3. Account number(s) for the account(s) you are disputing or your Social Security number

  4. Description of the specific information you are requesting or disputing. If you are disputing information, please provide an explanation of the basis for your dispute

  5. Copies of documents that support your dispute, as applicable:

    • Copy of your consumer report showing the information you are disputing
    • Account statements
    • Court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit
    • Copies of receipts or cancelled checks showing account has been paid
    • Remember: Do not send original documents

For your convenience, we created an optional Consumer Report Dispute Form (PDF) you may use as your written statement. The written statement should be mailed to the correct address below.

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 2: For disputes on credit cards

Use the addresses below if you are disputing information regarding your credit card.

  1. If you have a VISA Credit Card with TD Bank:
    TD Bank Credit Card Operations
    P.O. Box 1448
    Greenville, SC 29602

  2. If you have a Store Credit Card issued by TD Bank:
    TD Retail Card Services
    P.O. Box 100270
    Columbia, SC 29202-3270

  3. If you have a Target Credit Card issued by TD Bank:
    Target Card Services
    P.O. Box 673
    Minneapolis, MN 55440-0673

  1. If you have a TD Ameritrade VISA Credit Card owned or issued by TD Bank:
    TD Bank Credit Card Operations
    P.O. Box 1448
    Greenville, SC 29602

  2. If you have a Nordstrom Credit Card issued by TD Bank:
    Colorado Service Center
    P.O. Box 6555
    Englewood, CO 80155-6555

Step 1: For deposit accounts

In a written statement, please provide the following information:

  1. Identifying information: name, address and telephone number

  2. Type of TD product associated with the dispute (e.g., deposit accounts including checking and savings accounts)

  3. Account number(s) for the account(s) you are disputing or your Social Security number

  4. Description of the specific information you are requesting or disputing. If you are disputing information, please provide an explanation of the basis for your dispute

  5. Copies of documents that support your dispute, as applicable:

    • Copy of your consumer report showing the information you are disputing
    • Account statements
    • Court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit
    • Copies of receipts or cancelled checks showing account has been paid
    • Remember: Do not send original documents

For your convenience, we created an optional Consumer Report Dispute Form (PDF) you may use as your written statement. The written statement should be mailed to the correct address below.

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 2: For deposit accounts

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:

TD Bank
ATTN: ME2-002-036
P.O. Box 9547
Portland, ME 04112

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.

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