If you believe something is wrong with your credit score and that there’s an error on your credit report, you will need to dispute it directly with the credit bureaus. Below you’ll find information about how to file a dispute online through each major credit bureau.
Equifax: www.equifax.com/personal/credit-report-services/credit-dispute/
Experian: www.experian.com/disputes/main.html
TransUnion: https://dispute.transunion.com