How to File a TransUnion Dispute

In all cases, where you find incorrect information on your TransUnion credit report then legally you carry the right to dispute all negative items on your financial statement. Fair Credit Reporting Act gives all consumers right to dispute against all objectionable items on their credit report. A dispute would help you to wipe out all negative items which are incorrectly appeared on your financial statement such as bankruptcies, charge offs, late payments, etc.

When you decide on sending a dispute letter to TransUnion, you should also send all supporting documentations, your full name, contact number, social security number, residential address and date of birth via certified mail with return receipt.

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Whenever you come across negative items on your TransUnion credit report which do not belong to you then do not overlook them instead take precautionary steps of rectification. Sending a dispute letter is a legal weapon in your hand to defeat all negative & inaccurate items on your financial statement. Often negative items are result of some normal errors by creditors, such as putting the wrong social security number into their system. If creditor fails to prove about your ownership of debts then urge him to remove the wrong debt entry from your financial statement immediately.

After receiving your dispute letter, TransUnion would initiate the process of investigation and would come up with results after assessing all facts and figures. This procedure normally takes around 45 days. If TransUnion would find your dispute to be correct & legitimate then they would remove objectionable items and marks from your credit report and send you an updated financial statement without the presence of wrong or incorrect items.

This would be a healthy supplement for your credit score to boost up. It may take several months and attempts to resolve your dispute. If you find it difficult for you to manage it on your own then taking the services of some reputed credit repair firm is of great advantage.

How to File a TransUnion Dispute

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