TransUnion Dispute
To dispute an item on your TransUnion credit report you must use the dispute process. This is done by creating and mailing a dispute letter or hiring a service to dispute items on your credit report on your behalf.
Be aware that if you dispute an item with TransUnion you should also dispute that item with Experian and Equifax. You must dispute the same listing with each credit bureau on its own.
In your letter you need to include what item you are disputing and the reason for the dispute. Reasons include; item out of date, information is wrong, account paid, and more.
Once TransUnion receives your dispute they will investigate the item. They will contact the collection agency or lender and verify the account, the dates on the account, and the account balance.
If TransUnion is unable to verify the item then they must remove it from your credit report. It is common for an investigation to result in the removal of an item from your credit report.
If your account is verified by the lender then if you have a service this can be very beneficial. A service is able to use advanced dispute techniques to remove items. These techniques are; escalated dispute information requests, creditor direct intervention, and debt validation.
Many people are concerned with credit repair being legal or not. Credit repair is in fact legal the Fair Credit Reporting Act that Congress passed gives the consumer the right to dispute any item on their credit report that they feel is inaccurate.
It is a good decision to save all your communication with TransUnion. The credit bureaus have begun to allow people to dispute items on their credit report online, however we do not suggest you do this. We have found that disputing your report online is ineffective.
In addition you should know that the 100 word statement is never a good thing to fill out. In the past this statement was used to explain why a negative item occurred.
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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