How to Dispute TransUnion
To dispute a bad credit item on your TransUnion credit report you must use the dispute process. This is done by hiring a service or creating a dispute letter.
You need to know that you must dispute an item with each credit bureau. If you fail to do this and only dispute TransUnion then your Experian and Equifax credit report will still show the item.
You need to identify the item you are disputing and provide a reason as to why the item is inaccurate in your dispute letter. Reasons will include; not my account, information is wrong, account paid in full, item out of date and more.
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.
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 it is very rarely looked at by lenders and is more often used by the bureaus. The bureaus see this as an admission of guilt and will ignore any letters you send to dispute and remove this item; your letters will be deemed frivolous.
In sum you can remove bad credit items from TransUnion. This is done by disputing the item.
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