How to Dispute Your Transunion Credit Report

The TransUnion Credit Bureau is one of the "big three" credit reporting companies who keep credit reports on consumers in America. TransUnion compiles all the information they receive from lenders into your credit report. Whenever you apply for any type of credit a lender pays a bureau for access to your credit record to see your financial history.

This is why it is important that you make sure the data on file is accurate and up-to-date. If TransUnion is indicating inaccurate information about your history, you need to file a dispute asap!

To dispute your TransUnion Credit File, follow these steps:

• STEP 1 : Draft a credit bureau dispute letter.
• STEP 2 : Mail the letter via U.S. Registered Mail.
• STEP 3 : Wait for the results and a copy of your updated report.

TransUnion keeps credit history information about you, including your address, payment history, employment, and other personal information, so you may find yourself wanting to dispute multiple items at once.

How Many Items Should You Dispute at Once?

However, this may result in serious delay since the credit bureaus have been rumored to "red flag" people who dispute more than a few items at a time! This is just one of the many obstacles of do-it-yourself credit disputes. A legal professional seasoned in the credit disputing process can help you with this aspect of credit repair.

What Should I Dispute?

TransUnion receives all types of information about you which is often subject to errors or otherwise inaccurate data. Sometimes a credit report may show derogatory payment history that does not tell the whole story. However, lenders typically view the following items in "black and white" in determining whether you are a good credit risk:

• credit cards - charge-offs, 30, 60, 90 day late payments, or a small amount of available credit
• store credit - charge-offs, late payments, small amount of available credit
• cell phone suppliers - collections or charge-offs
• credit unions - mortgage delinquency, auto delinquency, or any late payments
• banks - any type of delinquency
• state and federal courts - judgment or public record from any type of debt
• bankruptcy courts - Chapter 7, 11, 13, and included in bankruptcy items
• mortgage companies - late payments or foreclosure

What Happens if I Dispute and STILL Have the Bad Credit?

It is important to know that sometimes getting a TransUnion report corrected can be very time consuming and cumbersome. The next step may be to work with the creditor on a resolution. Another alternative is a process called debt validation that is tactical, but highly effective, as an escalated dispute process. If you are unfamiliar with these processes, then you may consider enrolling the services of a credit repair law firm to ensure a quick and effective resolution to improving your credit score. 

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