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How to Read Your Dispute Investigation Results

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Have you submitted a dispute to TransUnion and received your investigation results? If so, you’re in the right place to learn more about what’s in those results and what they mean.

Your data is a valuable asset. By submitting a credit report dispute, you’ve taken steps to actively manage your credit report. A dispute investigation is typically completed within 30 days, but can take up to 45 days if additional information is required or supplied. During that time, we may reach out to your lender with the details of your dispute and any relevant supporting documents you provided. If your lender confirms the information you’re disputing is inaccurate, we’ll revise or delete the information from your credit report. No change will be made if the lender verifies that the information is accurate.

If you submitted your dispute online, you can log in to your TransUnion Service Center account to see the status of your dispute at any time. When completed, TransUnion will send you an email to let you know your dispute results are ready. Then, you can log in to see your investigation results along with the revised copy of your TransUnion credit report. Below are some of the items you can expect to see in your dispute investigation results. 

 

Check list of important things to know for your credit report dispute investigation results

What's on your dispute investigation results

Summary of actions taken by TransUnion

Here we’ll tell you what action, if any, we took as a result of your dispute. If the information is verified as accurate, we may not make any changes to your credit report. Or, if the information is found to be inaccurate, we may update or delete information from your report.

Definitions of terms

We provide a table of terms related to your account information. When you look at your investigation results, you can consult this table to help understand important terms used in connection with how your accounts appear on your credit report. Here is an example:

Balance: The balance owed as of the date the account was verified or reported

Original Charge Off: If applicable, the amount charged off due to non-payment of the account.

Credit Limit: The maximum amount of credit approved by the creditor on the account.

Past Due: The amount past due as of the date the account was verified or reported.

Date Opened: The date the account was opened

Pay Status: The current status of the account; how you are currently paying. For accounts that have been paid and closed, sold, or transferred, it represents the last reported status of the account

Last Payment Made: The date the creditor received the last payment on the account

Responsibility: The type of contractual ownership of the account (individual, join, authorized user, etc.)

High Balance: The highest amount ever owed on an account

Remarks: If applicable, the creditor may provide additional information here related to the account

Maximum Delinquency: If applicable, the maximum amount past due before an account becomes a charge-off or a collection account

Terms: The monthly payment amount or monthly minimum payment due on the account

 

Rating key related to your payment history

On your investigation results, your payment history, when available, is shown in a grid below each account. You’ll see terms and numbers to reflect your payment status reported by your creditor. To understand the terms in this grid, you’ll see a rating key that corresponds to the payment history for your account. On-time payments will show as “OK” while late payments will appear as “30”,”60”,”90”, or ”120” days past due in the month when these late payments were reported by your creditor.  Other payment ratings include “Col” for collection, C/O for charge off and other payment descriptions that are particular to auto finance, or mortgage accounts.

Your results and how they now appear in your TransUnion credit report

For each item you disputed, you’ll see a title in a gray box, followed by a brief paragraph describing the results of the investigation. If information was removed or updated as a result of your dispute, the “Your Investigation Results” section will note that an update was made. An update can include a change to the information or the removal of the information entirely from your credit file.

Other important credit dispute information

Credit report updates

Information in your credit report may be updated frequently, which means that by the time we receive your dispute, items you disputed may no longer appear on your credit report may have already changed. Your account information is updated when your lender provides new information, which usually happens once a month, or at least every 45 days. For example, if you paid down a balance recently, you may not see it updated on your credit report immediately.

Next steps after a dispute investigation

If you don’t agree with your dispute investigation results, there are several steps you can take to further manage your data:

1. Contact the lender directly

Your lender will have more information about your account than TransUnion and may be better able to assist with specific questions and concerns. Your lender’s contact information will be in your results summary and your credit report.

2. Resubmit your dispute with additional supporting documentation

If you’re able to find new or additional evidence to support your dispute, you can resubmit it through the TransUnion Service Center. You’ll be asked if you’ve disputed the item in the past 120 days. In the Additional Comments section, you can indicate that you have additional evidence. Supporting evidence can include records from relevant sources like your account statements or court documents.

3. Add a statement to your credit report

A consumer statement is an opportunity for you to shed light on information in your credit report. It’s a way for you to explain your financial situation to anyone who views it. TransUnion provides several pre-worded options, but you can also write one in your own words. Consumer statements can be 100 words or less.

4. File a complaint with the Consumer Financial Protection Bureau

The CFPB is there to help you if you’re having issues with financial products or services. They may be able to further assist you in communicating with the company or lender. 

If you’re looking for more information, our Dispute page has additional education and resources to help you manage your information.  

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 transunion.com. 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.

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