How to Dispute TransUnion
For you to dispute and remove an item on your credit report with TransUnion you must file a dispute. This is done through creating a letter yourself or hiring a credit repair service to do it on your behalf.
Be aware that if you dispute an item with TransUnion you should also dispute that item with Experian and Equifax. You must dispute the same listing with each credit bureau on its own.
In a dispute letter the disputed item must be identified and a reason as to why the item is wrong. For example; not my account, account paid, item is out of date, and etcetera.
Once TransUnion receives your dispute they will investigate the item. They will contact the collection agency or lender and verify the account, the dates on the account, and the account balance.
If TransUnion is unable to verify the item then they must remove it from your credit report. It is common for an investigation to result in the removal of an item from your credit report.
If an item is verified then if you have a service they can use advanced dispute techniques to remove it from your report. The techniques include; debt validation, escalated dispute information requests, and creditor direct intervention.
A common concern for people is "Is it legal to dispute my credit?" Yes, the Fair Credit Reporting Act passed by Congress gives you the right to dispute any item on your report that you believe to be inaccurate.
We suggest you save all copies of your communication with TransUnion. In addition we discourage you from disputing items online or over the phone. We have found this to be an ineffective method of disputing bad credit items.
Be aware that the 100 word statement that you can place on your credit report is never a good thing to fill out. In the past this is where consumers could provide a brief explanation as to why an account became delinquent.
Today if you fill in this statement then you are only verifying the accuracy of the item. If you try and dispute that item in the future your disputes will be deemed frivolous and ignored.
In sum you can remove bad credit items from TransUnion. This is done by disputing the item.
Be aware that if you dispute an item with TransUnion you should also dispute that item with Experian and Equifax. You must dispute the same listing with each credit bureau on its own.
In a dispute letter the disputed item must be identified and a reason as to why the item is wrong. For example; not my account, account paid, item is out of date, and etcetera.
Once TransUnion receives your dispute they will investigate the item. They will contact the collection agency or lender and verify the account, the dates on the account, and the account balance.
If TransUnion is unable to verify the item then they must remove it from your credit report. It is common for an investigation to result in the removal of an item from your credit report.
If an item is verified then if you have a service they can use advanced dispute techniques to remove it from your report. The techniques include; debt validation, escalated dispute information requests, and creditor direct intervention.
A common concern for people is "Is it legal to dispute my credit?" Yes, the Fair Credit Reporting Act passed by Congress gives you the right to dispute any item on your report that you believe to be inaccurate.
We suggest you save all copies of your communication with TransUnion. In addition we discourage you from disputing items online or over the phone. We have found this to be an ineffective method of disputing bad credit items.
Be aware that the 100 word statement that you can place on your credit report is never a good thing to fill out. In the past this is where consumers could provide a brief explanation as to why an account became delinquent.
Today if you fill in this statement then you are only verifying the accuracy of the item. If you try and dispute that item in the future your disputes will be deemed frivolous and ignored.
In sum you can remove bad credit items from TransUnion. This is done by disputing the item.
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posted by Credit Counseling at
10:57 AM
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