How to Dispute Your Credit Report

Blog Post09/29/2015
Credit Advice

Even those with sterling credit histories can be derailed by a credit report inaccuracy. If you have inaccuracies on your credit report, it’s important to nip this problem in the bud before it affects your credit score. Eliminating inaccurate information on your credit report helps ensure all your information is up-to-date before making big purchases or securing a loan. TransUnion lets you dispute something on your report online. Just remember to identify the inaccurate information and provide proof of your claim.

Determine the Basis for the Dispute

When making a claim, there are generally two types of disputes when filing with a credit bureau.  One is an ownership dispute, while the other is account-information related. Typical reasons to dispute ownership include having no knowledge of the account (in the case of identity theft) or identifying it as a relative’s account with a similar name (such as junior or senior).

As for disputing account information or status, you can contest inaccuracies around accounts you have paid in full, or old accounts that have aged past the point where the information is no longer allowed to remain on file by law.

Contact the Credit Reporting Agency

No longer does filing a claim require a trek to the post office. TransUnion provides an online credit dispute resolution process that also lets you upload supporting documents, such as copies of canceled checks that prove your claim.
We notify you of the results of its investigation via email and provide access to your updated credit report immediately. If you prefer to submit your dispute in writing by mail, use a sample credit dispute letter from the Federal Trade Commission or another consumer protection agency.

By law, credit agencies can refuse to investigate your dispute if it’s deemed frivolous or irrelevant. This might happen if you dispute too many items at once. If you notice multiple inaccuracies on your credit report, consider disputing them one at a time to avoid raising a red flag.

Contact the Creditor

Another way to resolve inaccurate credit report information is to contact the creditor in writing. Include copies of any documentation that prove your claim and send it to the address for the creditor listed on your credit report. If the creditor denies your claim, it must still report to the credit agency that the information is disputed. If the creditor agrees with your claim, it must direct the credit reporting agency to update or delete the item.

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.