Protecting your personal credit report and score

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:

• 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

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.

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.

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.

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.

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.

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.

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.