TransUnion Credit Dispute
Everyone knows that their credit score is incredibly important. However, most people don’t realize the power they have to control their credit score. Sure, you can be smart with your money. You can avoid maxing out your credit cards and pay your bills on time. But that doesn’t always mean you’re safe from negative credit information.
False entries appear on credit reports all the time. Sometimes it’s something as simple as a wrong address or employer. Other times it’s something much more serious.
There are many ways you can get negative information on your credit report. That’s true even if you don’t do anything to cause a negative entry. That’s because simple data-entry errors and identity theft happen.
When negative information shows up on your credit report, and it shouldn’t be there, you have options. TransUnion is one of the “big three” credit reporting bureaus. This article will explain how you can check your TransUnion credit report. We’ll also go over how you can dispute false and harmful information on your report. Finally, we’ll give you all the contact information you need to protect your credit.
Credit scores are increasingly important. They’re used for everything from loan and credit applications to housing and employment decisions. That means you want the best credit score possible. If your TransUnion score isn’t where it should be, use this guide to dispute information on your report. The process is free to do. It just takes some of your time.
How Do I Check My TransUnion Credit Report?
The first step in disputing something on your TransUnion credit report is to know that it’s there. That’s why it’s so important to check your credit report regularly. You’re entitled to get a free copy of your credit report from each of the big three credit reporting agencies once per year. In some states you’re able to get one more often than that.
You can also use credit monitoring services to stay up to date on your TransUnion report. These services monitor your reports. They let you know if there’s any kind of change. You can check and see if the change is accurate or not.
Checking your TransUnion report is something you should take seriously. Put a note on your calendar to get your free report. Or sign up for one of the many credit monitoring services.
However, checking your report is only half the battle. After all, credit monitoring is just that. It only tells you when there’s a change. You still have to take action if the change is wrong. That’s when you need to understand TransUnion dispute process.
Understanding TransUnion Dispute
A credit dispute is a way of challenging something on your credit report. Federal law gives you the right to dispute any information on your report. Moreover, the law also says that anything that isn’t 100% verified to be true can’t be included on your report.
That’s great news for consumers. It means that credit disputes are a powerful tool to protect your credit score. That ensures you’ll get the best rates possible on loans and lines of credit. It can also help you stand out from the pack in the job search.
A dispute is a challenge to information on your report. Once you file a dispute, TransUnion has 30 days to either verify the information, correct it, or delete it. Notice that there’s a hard deadline for action. This is important. It’s mandated by federal law. That means if TransUnion doesn’t respond to your dispute within 30 days of receiving it you may have grounds for a lawsuit.
What Happens When You Dispute TransUnion Credit Report?
When you file your dispute, TransUnion starts an investigation. They go through steps to check the accuracy of the information. It’s important to note that you can’t ask for a review of your whole credit report at once. You need to dispute individual items on the report one at a time.
TransUnion will check with your creditor or lender. They’ll see what kind of documentation backs up the information on the report. Once they get that information, they’ll either verify the entry on your report, correct it, or delete it.
It’s best to have evidence to help your dispute. For example, court papers can prove you were a victim of identity theft. Those papers can play a huge role in proving that you didn’t open some of the accounts on your report. It also means that you’re not responsible for late or missed payments on those accounts.
Sometimes TransUnion will say that the information on the report is verified. If that happens, then you can ask for a verification of method. That means that the company must send you all of the documentation they have which proves the information is accurate. This opens the ground for appeals and other challenges. That means you have ways to make sure your credit report stays in perfect condition.
Dispute TransUnion Checklist
If you’re going to dispute something on your TransUnion report, then you’ll want to make sure you have the best possible chance of winning your dispute. There are a few things you can do to boost your odds of success. We’ve put together a list of ways to make sure your TransUnion dispute comes out in your favor.
Include Any Relevant Documents
The first thing on our checklist is to gather all the documents you have that relate to your challenge. This includes court papers, but can also include things like monthly statements, transaction records, receipts, and more. Be sure to attach all of the documentation to your challenge if you’re sending it by mail or online.
Be Prepared to Wait
TransUnion has 30 days to respond to your dispute. Don’t be surprised if they take all 30 days. After all, the company is interested in the accuracy of the information. That means they’re going to be very thorough when it comes to investigating your claim.
This is also a reason why you should actively monitor your credit reports. It takes time to dispute something. If you wait until you’re about to apply for a loan or line of credit, the dispute might not go through in time.
Use Mail or Online
We recommend using mail or online tools to file disputes. Using the phone is alright for minor things like an incorrect address. But you want to be able to document every part of your dispute process. That way you can show exactly what you did and when you did it.
This is important because you might have issues with your dispute. After all, credit and credit reporting are complicated industries. Documenting all of your steps shows that you’ve done everything you’re required to do by law. It also puts the burden on TransUnion to show that they complied in a legal fashion as well.
Options for Disputes
There are several options for consumers when it comes to filing a dispute. One of the best things about credit disputes is that they’re free to do. You don’t need any specialized skills or information to do them. Instead, you just need to be able to write a letter. You can even explain your problem over the phone.
However, there are many different companies that offer help with credit repair. Sometimes it’s worth it to hire one of these companies. Make sure that you check up on the company first to ensure you’re getting a good deal. Try to use a company that charges per item removed, instead of one that charges a flat fee.
How to Dispute TransUnion Credit Reports
You can’t dispute your TransUnion report without knowing how to reach them. That’s why we’ve put together this list of contact information for TransUnion.
Dispute TransUnion Online
Many websites and credit repair experts recommend disputing your report online. The reason for this is simple. You usually get a faster response to online disputes. That’s because the credit reporting agency can automate some parts of the process.
However, if you dispute TransUnion online, then you’ll still want to follow the advice we gave in the previous section. Take screenshots to show what information you’ve entered. Make sure you take screenshots of any attachments as well. Be sure to note the date and time of your dispute filing.
One of the drawbacks of disputing online is that it’s harder for consumers to document their actions. Another problem is that all of the information resides with TransUnion. That means if there’s a problem, you’ll have to rely on their records. That can complicate things.
You can dispute TransUnion online by using the dispute submission process on their website. You can also click this link to go directly there.
Dispute TransUnion Phone
Phone disputes are popular with people who want fast results. However, in this case, it’s more important to get things right than to get them done quickly. That’s why we recommend avoiding phone disputes for major issues.
One of the biggest problems with phone disputes is that you can’t share documents over the phone. You also can’t record what you’ve done or the information that you receive from the customer service agent. That means you’ll have a harder time proving your case later if there’s a problem.
You can call TransUnion Monday-Friday from 8 AM to 11 PM EST. The number is 800-916-8800.
Dispute TransUnion Address
Snail Mail is one of the best ways to dispute credit report information. You should be sure to use certified mail for this process. You should also be sure to request a return receipt. That way you have a paper trail. The paper trail shows exactly what steps you took and when you took them. It also shows when TransUnion received your request.
Paper mail disputes may take a bit longer to resolve. After all, there’s more things to do with this kind of dispute. It’s not as easy to automate as a phone call or online dispute is. Whenever you’re filing a dispute you should include your TransUnion file number, social security number, date of birth, current address, company name of the disputed item, account number of the disputed item, the reason for your dispute, and any correction to your personal information.
Including all of that information ensures that the company will have everything it needs to process your dispute in a timely manner.
Follow Up: Check Status of TransUnion Dispute
Once you’ve filed your dispute, you’re not done. You still need to monitor your credit report. This will tell you if TransUnion has taken any action regarding your dispute. You can also check the status of your dispute on their website.
There are three possible ways that they can respond to your dispute. They can either verify the information on your report, correct it, or delete it. You’ll want to keep an eye on their response to make sure you get the results you want.
If you don’t get the action you’re looking for, then you’ll have to do more work. The first step is filing a verification method request. This forces TransUnion to send you all of the documentation they have about your dispute. You can see how they decided your case. You can also find new grounds to challenge their findings.
It’s important to follow up and watch the status of your dispute. All too often consumers think that, because they’re right, that the company will agree with them. That leaves them for a rude awakening when they check their credit report again and find the same information is still there.
Another potential problem is TransUnion agreeing with your dispute, but then failing to remove the information from your report. Remember, TransUnion is a large company. Sometimes paperwork mistakes happen. Staying on top of your credit report means you can ensure that the action is actually taken to protect your good name and credit score.
Make sure that your good reputation and credit stay intact. Use the information in this guide to challenge harmful and false information on your TransUnion report. The process is simple. The results are astounding. And the subject incredibly important. Don’t miss out on a loan, job, or home because of false information on your report. Take charge of your TransUnion credit report history now!