Accounts on your credit report provide details like open date, balance and payment status.
- You can dispute any of the details listed if they are incorrect.
Disputes and Accounts
Accounts and Your Credit Report
Common Questions About Accounts
- Credit reports update when lenders provide new information to the credit reporting agencies.
- You may not see changes reflected immediately. Some lenders send updates more frequently than others, but it usually happens once a month.
Closing an account doesn’t remove it from your credit report immediately.
Typically, accounts that are closed in good standing will stay on your credit report for up to 10 years. Accounts closed with adverse information, like accounts with reported late payments or those sent to collections, are generally removed from your credit report after seven years.
Start the Dispute Process
Here's how to file a dispute online with TransUnion®. It's free to create an online account and free to file. You can also dispute for free by mail or phone.
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