Investigate and dispute credit report inaccuracies

Learn how to dispute credit report inaccuracies easily – online, right now Because inaccurate, derogatory information can lower your credit score and may indicate fraudulent activity, it's best to dispute any potential inaccuracies as soon as you spot them. The fastest and easiest way to resolve an inaccuracy on your credit report is through the online Credit Report Dispute process at

Check credit report dispute status At your request, TransUnion initiates an investigation of any credit information disputed by you. TransUnion may make changes to your credit report based on information you provide with your dispute. Otherwise, upon receipt of your dispute, TransUnion contacts the company reporting the information you disputed, supplies them all relevant information and any documents you included with the dispute, and instructs them to review your dispute, verify all information they are reporting about the account, provide us a response to your dispute, and update their records and systems accordingly. Investigations are usually concluded within 30 days of the date we receive your request. We recommend allowing up to 30-45 days for the dispute process. If you file a dispute online, you’ll be notified when you can view a credit report online that includes the results of our investigation. (This is the fastest, easiest way to get your results). With an online credit dispute, you will be notified via email and given access to the results of the investigation immediately. If you log in to check your dispute status during the process, you will see the original, uncorrected version of your credit report – the version that was generated when you filed the dispute. If the data provider updates the information, you will see a corrected copy at the conclusion of the dispute process. If you call or mail in your dispute, a summary reflecting the results of the investigation will be sent to you by first-class U.S. mail. Please allow five to seven business days (seven to ten business days for Puerto Rico residents) from the time we complete our investigation for mail delivery. If our investigation has not resolved your dispute, you may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to TransUnion including this information in every credit report we issue about you. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may also request a description of how we conducted the investigation or file a complaint about TransUnion or the business reporting the disputed information with the Consumer Financial Protection Bureau or your State’s Attorney General’s office. More information on the dispute process is available in our Credit Disputes FAQs.

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