How To Dispute TransUnion Credit Report

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.

You should know that you must file a dispute separately with each credit bureau. Failure to do this and you may remove an item from your TransUnion report, however that item will still be shown on your Experian and Equifax reports.

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 For example; not my account, account paid, item is out of date, and etcetera.

When TransUnion gets your dispute they will conduct an investigation. During which the lender is contacted and asked to verify the dates, the account, and the balance.

If the account can not be verified then it must be removed from your credit report. Frequently investigations result in the deletion of bad credit.

Should your item be verified a service with lawyers on their staff can use advanced dispute techniques to remove negative items. These 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.

In addition you should know that the 100 word statement is never a good thing to fill out. In the past this statement was used to explain why a negative item occurred.

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 to dispute an item with TransUnion you must create a dispute letter or have a service do it on your behalf. You do not have to just live with blemishes on your credit report they can be removed before seven years ticks away.