How to Dispute Something on Your TransUnion Credit Report

Filing a credit report dispute with TransUnion is easy. Here’s how to do it.

One of the most important things you should check throughout your credit report is that the information listed in it is accurate. Sometimes, creditors report information that is inaccurate or outdated. Fortunately, if you spot something that doesn’t look right in your TransUnion report, it’s easy to file a dispute. Here’s how it works.

Why Dispute?

If you’re reviewing your report and notice something that’s not accurate, the inaccuracy could have a negative effect on your credit scores and perceived creditworthiness. If you file a dispute, the bureau producing the report (in this case, TransUnion), will investigate the credit report item in dispute. If it’s found to be inaccurate, the bureau will change it so that it’s accurate, which could mean removing it or altering it in some other way.

How to Dispute

Each bureau has its own way of receiving and processing disputes to its credit reports. At TransUnion, it’s easiest and fastest to dispute online: simply create your account or log in at dispute.transunion.com to get started. You can also call TransUnion or mail in a dispute.

What to Expect

The outcome of your dispute depends on what the investigation reveals. If it is found that you did have inaccurately listed information in your report, it will be changed to be listed accurately. Regardless of the outcome, you’ll be updated at key moments throughout the dispute process and can log in anytime to check the progress. Investigations typically take 30 days to complete, but 30-45 days is a good estimate. It’s in the best interest of the bureaus to make sure their credit reports are as accurate as possible, so you can trust your dispute will be investigated fairly.

Take the next step: protect your credit and start saving money.