How to Dispute Your Credit Report

Blog Post01/28/2019
Credit Advice
How to Dispute Your Credit Report

If you notice something inaccurate on your TransUnion credit report, but aren’t sure what to do next, we can help. Follow the easy steps below to start a dispute online and we’ll start an investigation.

1. Figure Out What’s Wrong

Do you see an account on your credit report that you have no knowledge of? Do you see inaccuracies on accounts you have paid in full, or old accounts that should no longer be appearing?

If you answered yes to the above, you can dispute the item(s) in question. If you have no knowledge of an account, it could be identity theft, or possibly a relative’s account with a similar name (such as junior or senior). All of these are good indicators you should start a dispute to ensure all information is accurate on your credit report.

2. Contact the Credit Reporting Agency

Once you have spotted the inaccuracy, contact the credit reporting agency to start a dispute. TransUnion provides an online credit dispute resolution process that is the quickest and easiest way to get your dispute started. We also have an extensive online FAQ to answer all your dispute-related questions.

To get started with your dispute online, you will need to set up an account so you can login later to check your status or view your investigation results. Once your account is set up, select “New Investigation” and select the item(s) you want to dispute. You should also upload supporting documents, such as copies of canceled checks that prove your claim.

Submit your dispute, and we’ll take it from there; if we can’t resolve your dispute based on any documents you submit, we’ll notify the creditor(s) of what you are disputing so they can provide us verification of the information, or modify or delete the item with us and in their records.

3. Review your Investigation Results

When your investigation is complete (typically within 30 days), we’ll send you an email to notify you to login and view your results and updated credit report.

If you don’t agree with the results, it may be a good idea to contact the creditor directly and provide any documentation you have to support your claim. 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 has to direct the credit reporting agency to update or delete the item.


Even if you have a great credit history, a credit report error can have a significant negative impact, so it’s important to check your credit report regularly for inaccuracies. Removing inaccurate information through a dispute helps make sure all your information is up-to-date, which is important when making big purchases or applying for credit.

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:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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