TransUnion Dispute
For you to dispute and remove an item on your credit report with TransUnion you must file a dispute. This is done through creating a letter yourself or hiring a credit repair service to do it 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.
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 Reasons will include; not my account, information is wrong, account paid in full, item out of date and more.
Upon receipt of your letter TransUnion will conduct an investigation. They will contact the creditor and ask them to verify the account, the dates, 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.
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.
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.
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 if you fill out this statement it will more likely be used by the bureaus. The bureaus use this as verification that the item is accurate and they will deem any dispute letter you send as frivolous and ignore it.
In sum you can remove bad credit items from TransUnion. This is done by disputing the item.
