Skip to main content

How to Dispute Your Credit Report

how to dispute your credit report

Reviewing and managing your information is an important part of protecting your data identity. So, if you notice something you believe is inaccurate on your TransUnion credit report, we’re here to help. Disputing your information with TransUnion is fast and easy. Follow the steps below to start a dispute online.

1. Figure out what’s inaccurate

Your credit report should be an accurate reflection of your information and story.

If you see an account you don’t know about, inaccuracies on accounts you know you’ve paid in full or old accounts that shouldn’t be on your report anymore, you can dispute those items. Some inaccuracies could be mistakes. For example, perhaps an account of a relative with a similar name, but with junior or senior, is showing on your report. Others could be more nefarious, like identity theft. No matter the inaccuracy, it’s important that your report is a true reflection of your credit history.

Personal information can and should be updated as well. It’s important for lenders to have access to your current information. Updating your phone number or employer and deleting an old address can be done online. If you need to update your name, date of birth, Social Security number or address you’ll need to send us supporting documents by mail.

Not everything related to your credit report can be disputed. For example, you can’t dispute your credit score. Your score is calculated based on some of the information in your report. If your score changed and you’re not sure why, you should review your credit report carefully to understand.

2. Consider contacting your lenders

If there is something specific to one of your accounts that you don’t understand or looks wrong, it may be easier and faster to reach out to your lenders directly. You can find their contact information on your credit report. Lenders will have more details about the status of things like credit card balances and recent payments. They may be able to provide answers and resolve certain concerns quickly. If you’re unsure if account information on your report is inaccurate or if an account balance just hasn’t been updated yet, your lender may be able to help you. Any updates they make will be sent to us to add and/or change on your credit file.

3. Contact the credit reporting agency

Once you’ve spotted and confirmed the inaccuracy, you can start a dispute request with the credit reporting agency. TransUnion offers a free online credit dispute service that is the quickest and easiest way to get started. We also have an extensive online FAQ section there to answer your dispute-related questions.

To get started with your dispute online, click “Start Dispute” and set up an account if you don’t already have one. This way you can log in later to check your dispute status or view your investigation results. If you’ve requested an online dispute, freeze, or fraud alert before with TransUnion, you should already have a username and password you can use. If you’ve forgotten your username or password, the login page will provide steps to recover your account information.

Once your account is set up and you’ve logged in, select “New Investigation” and choose the item(s) you want to dispute. Remember, if you need to dispute multiple items, you should select each item before submitting your request.

After making your selections, you’ll have the option to upload relevant supporting documents. Examples include court or lender documents that provide specific evidence to prove your claims. Currently, we don’t support document uploads for updates to personal information like your Social Security number, date of birth, name or address. If you need to update this type of personal information, please use our phone or mail dispute services.

After you’ve added all the items you need to your dispute request, submit it and we’ll take it from there. If we can’t resolve your dispute based on what you submitted, we’ll notify your lenders. They will verify the information as correct, or change or delete the item with us and in their records.

4. Review your investigation results

When our investigation is complete, we’ll send you an email to let you know. You can then log in to review your results and updated credit report. Most dispute investigations at TransUnion are complete within two weeks, but some may take up to 30 days.

If you don’t agree with the results, it may be a good idea to contact the lender directly and provide any documentation you have to support your claim. If the lender denies your claim, it must still report to the credit agency that the information is disputed. If the lender confirms your claim, it has to tell the credit reporting agency to update or delete the item.

We don’t want an inaccuracy on your credit report to negatively impact your score and keep you from the credit opportunities you deserve. By consistently monitoring your data identity, you can help ensure your credit report shows an accurate and up-to-date picture of your credit health.

 VIDEO: What You Should Know About Credit Disputes

Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit This site is governed by the TransUnion Interactive privacy policy located here.

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model.  Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

Subscription price is $29.95 per month (plus tax where applicable).