Dispute Support Center

Absolutely. Disputes are 100% free.

Hard Inquiry

• May appear on your credit report when someone accessed your credit report in connection with an application for credit like for mortgages, auto loans or credit cards
• Can remain on your credit report for up to two years
• Can be seen by lenders
• May have a temporary negative impact your credit score

Soft Inquiry

There are two types of soft inquiries: 

• Promotional inquiries: 
  • Occur when a company wants to make a credit offer, like a pre-approved credit card or other loan offer

• Account review inquiries: 
  • Can appear on your credit report when an insurer pulls your credit report for underwriting purposes, when employers verify your credit as part of their hiring process or when a landlord screens you as a potential tenant
  • Can also appear when a creditor you already have an account with reviews your credit
  • A prequalification for some loans, like mortgages, can result in a soft inquiry
  • You may also see an account review inquiry when you look at your own credit report for review

• Some loans, like buy now, pay later installment loans, may also require a soft inquiry before you’re approved for a purchase

• Won’t impact your credit score

If you’re interested in learning when and why your lenders are pulling your credit report, reach out to them. You can find their contact information on your credit report. 

It means we already investigated the item(s) you are disputing, and the company who provided the information to TransUnion told us the information on your credit report was correct. If you have documents to support your dispute, you can submit your request again online, with the supporting documents, and we will be happy to investigate the item(s) again. Examples of supporting documents that can be used to support your claim might be a letter from the creditor or courthouse, billing statement, letter from the IRS, canceled check or money order showing payment, etc. You may also want to contact the company you hold the account with directly to make the update. Or, you can add a statement of 100 words or less to your credit file.

Employment information is typically reported from applications for credit. This information is generally not used by credit grantors or employers in making their decisions, but it is typically used for demographic purposes. You can update your employment information online through the TransUnion Service Center. Start a dispute and click the “Add” button next to employment history.

You can also start a dispute by phone or mail.

If you believe your credit report has been mixed up with another person’s credit report, please follow the dispute process to notify us. You should also:

• Check your credit report with the other bureaus to ensure they are accurate, and check your reports annually to ensure accuracy.
• Identify all of the information that doesn’t belong to you, which could include accounts, addresses and other identification information.
• Ensure that your personal identification information is complete and includes your full name, date of birth, Social Security Number and complete address.

If you believe that the incorrect information may belong to a family member, be sure to let us know during the dispute process.

If you’ve mistakenly been reported as deceased on your TransUnion credit report, please call us and we’ll help get this resolved right away.

You can also submit a dispute online to notify us about this error.

To dispute an item on a credit report for someone who is deceased, along with a copy of a death certificate, provide their legal name, the name of the companies that reported the item you’re disputing and the partial account number (from their credit report), the reason for the dispute and any supporting documents. If you are the spouse, simply state your name and indicate you are the spouse and include a mailing address. If you are an executor or other third party you will need to provide identification such as a driver’s license, and a copy of the will, executor agreement or Power of Attorney documentation along with your mailing address.  

Send your dispute letter and any supporting documents to the mailing address for disputes at TransUnion, which you can find on the Dispute by Mail or Phone page.

There are many different scoring models used to determine a score from the information in your credit report at the time you check it. Credit history information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. As the information in your credit report changes, your score may change. For that reason, we are unable to accept a dispute regarding your credit score. We can, however, investigate the information on your TransUnion Credit Report if you believe it is inaccurate or incomplete.

For more information on credit scores, check out our blog.

Note: TransUnion does not make credit decisions, and does not maintain information on how a specific creditor uses a score, or even which scoring model they use. You can contact the creditor directly to discuss how your score was used.

The investigation process includes three steps:

1. You submit an investigation request (dispute). If you believe that an item contained in your TransUnion credit report is inaccurate or needs updating, send TransUnion a request for investigation or request to change information. You can start your investigation online. You can also submit a dispute by phone or mail.
2. TransUnion contacts the creditor for verification. After TransUnion receives your request, we will either contact the creditor for verification or change the information directly if it does not require verification.
3. The creditor returns verification and TransUnion completes the process. Once the creditor returns verification, we will revise or delete the information in your credit report if it is inaccurate.

No change will be made if the creditor verifies its accuracy. In either case, TransUnion will send you a summary of the investigation results and, if applicable, a revised copy of your TransUnion credit report.

If our investigation has not resolved your dispute, you may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to TransUnion including this information in every credit report we issue about you. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may also request a description of how we conducted the investigation or file a complaint about TransUnion or the business reporting the disputed information with the Consumer Financial Protection Bureau or your state’s attorney general’s office.

As of May 24, 2019, medical debt that should be covered by Department of Veterans Affairs (VA) medical benefits are not to be included on consumer credit reports. We encourage you to call the VA at (877)-881-7618 if you have outstanding medical debt that you think is the responsibility of the VA, and the staff will work with you to find a resolution.

If you see medical debt on your TransUnion credit report you think is the responsibility of the VA, go online to start a dispute. Be sure to upload a copy of your VA Health Identification Card (VHIC) and/or a copy of a letter from the VA describing the adverse credit report and TransUnion will investigate.

A credit bureau, or credit reporting agency, usually refers to a company that collects consumer data, like TransUnion. A creditor (sometimes called a data provider) is a company that extends credit to you, such as an auto loan company or a credit card company.

Yes. When you dispute through Credit Karma, they will send us your dispute and we will start an investigation.

If personal information or an account were previously removed from your TransUnion credit report, but you later determine that information should show up on your credit report again, follow the instructions below.

Personal Information:

• To re-add a phone number or employer, contact us.
• To re-add other personal information such as a name or address, mail current documents that show the information you want to add. Get more detailed instructions here.

Account:

• To re-add an account, ask the lender or company that manages the account to contact TransUnion to see if the account is eligible to be re-reported or reinserted to your credit report.
• To manage a consumer statement on your credit report, please use our online dispute process.

Every person has a unique financial story, and a consumer statement is an opportunity to tell yours. You can add this note to your credit report to explain your financial situation to anyone who views your credit report.

We provide several pre-worded options that you can choose from or you can write your own statement in your own words. Please note: If you decide to add any personal or medical information, anyone who views your credit report will be able to see it.

If you think adding a consumer statement is the right option for you, simply follow these instructions:

• Sign in to the TransUnion Service Center. If you don't have an account, you can create one for free.
• When you're signed in, click "Dispute" at the top of the screen and scroll down to the Manage Your Consumer Statement section.
• Click "Manage My Statement" and then choose one of the provided consumer statement options or write your own statement in 1000 characters or less.
• Add an expiration date for your statement and then click "Save & Continue".

If you later decide you want to add to or delete your consumer statement, sign in to the TransUnion Service Center to remove it.

Yes, you can dispute a collection charge and then we’ll start an investigation.

If you think there is an inaccuracy with the information reported from a credit card company, you can dispute and we’ll start an investigation.

Yes. If you see an address on your credit report that never belonged to you, you can dispute it online to remove it. After you log in, select “New Investigation” and then “Edit Addresses.” You can also start a dispute by phone or mail if you prefer.

To add a new address to your credit report, you need to mail in supporting documents to make that change. You can learn more here.

Absolutely. Before you submit your dispute online, you will be given the option to attach supporting documents. You don’t need to have supporting documents to submit a dispute, so this step is optional.

If you choose to add documents, please consider the following:

• Generally, documents sufficient to support your dispute are from a relevant source (such as a court or a lender), and include specific details that support the change you are requesting. An example of a helpful document is a statement that shows an account has been paid off and closed.
• Documents should be JPG, JPEG, PDF or TIFF file types. There should only be letters and numbers in the file name. You can upload up to five (5) documents, no more than 5 MB in total size. 

We don't currently support online document uploads for public records disputes like bankruptcy or updates to personal information such as Social Security number, date of birth, name and address. If you need to provide supporting documents for either type of dispute, please file your dispute request by phone or mail.

Don’t worry, there’s no impact to your credit score if you start a dispute. However, if your dispute results in items being changed or removed from your credit report, your score may change due to that.

If you think there is something inaccurate on your credit report, you can easily dispute online. Find more information on disputes and learn how to get started here. 

You can also dispute by phone or mail.

Absolutely. To complete a dispute by mail, provide as much of the following information as possible:

• Your name
• Partial account number of the disputed item (from your credit report)
• Current address
• Your TransUnion file number (if you have one)
• Social Security number
• Date of birth
• Name of company that reported the item you’re disputing (from your credit report)
• Reason for your dispute (not your account; you have paid the account, etc.)
• Any corrections to your personal information (address, phone number, etc.)

Send your documents to the mailing address for disputes at TransUnion, which you can find on the Dispute by Mail or Phone page.

Please note: We accept either standard or certified mail.

Once your mail is received, it can take up to 30 days to resolve your dispute.

An open dispute does not block creditors from accessing your credit report. 

TransUnion Credit Monitoring has permanently shut down, but you can dispute for free through the TransUnion Service Center. If you want to submit a dispute, you can create a free TransUnion Service Center account or log in to an existing account to get started. Contact us if you have questions.

You need to complete your entire dispute transaction in one session. If you start your dispute request but can’t finish it in a single session, go to the “Review” page and print off your selections so you can add them more easily later.

You can only upload a maximum of 5 documents with your dispute. Choose the documents that are most relevant to your dispute and are from an authoritative source (such as a lender or court).

Not at this time, but you can access the TransUnion Service Center using your mobile device.

Yes, you can add more items as many times as you need to before you submit your dispute.

Yes, but this type of dispute can’t be submitted online. For security reasons, some personal information disputes require supporting documents that must be sent to TransUnion via postal mail. Get instructions for disputing by mail here.

To request the removal of adverse information from your TransUnion credit report, take the following steps: 

• Prepare a letter to TransUnion that identifies the adverse items of information that are on your credit report as a result of the trafficking. 
• Gather one proof of identity document and one trafficking victim determination document. Visit our Human Trafficking Survivor Resources page for a list of acceptable documents. 
• Submit your letter and copies of your documents to TransUnion by mail or online. Our Human Trafficking Survivor Resources page has more details on each step and contact information. 
  • If you need additional help, you can call us at 833-982-4057 on Monday–Friday 8 a.m.–7 p.m. Eastern Time, excluding holidays.         

Yes, if we have your email address on file, we will send you email notifications to keep you informed about the status of your dispute. You can add or update your email address in the TransUnion Service Center. You will receive an email when the dispute is opened, and then again at various stages while the dispute is still open, as well as a notification upon the completion of the investigation. You can also log in to the TransUnion Service Center at any time to check the status of your dispute.

Yes, you can add a credit freeze or fraud alert to your credit report as you normally would while we work on the investigation.

You can only have one dispute investigation open at a time, but it can contain as many items as you need to dispute.

If you started a dispute less than 15 days ago, you can cancel your dispute by calling us at 800-916-8800 Monday-Friday 8 a.m.-11 p.m., Saturday-Sunday 8 a.m.-5 p.m. Eastern Time. If you submitted a dispute online, you can't make changes to it online. If you started a dispute more than 15 days ago, you will have to wait for the response from the creditor your dispute was with. If your dispute has already been completed, there is no way to cancel it. 

If the creditor does not respond within 30 days, TransUnion will delete the information from your credit report.

If a dispute investigation shows that an item is accurate, TransUnion will continue to show that item in your credit report. Read our blog to learn more about what to do if you don't agree with your dispute results.

No, but we provide you with the creditor’s name, address and telephone number to enable you to request written verification or documentation directly from them.

We will investigate all of the items in question during the same time period. At the conclusion of the investigation, you will receive a report reflecting all of the results. Please allow 5 – 7 business days following the completion of our investigation for mail delivery. If you entered your dispute online, you will be notified via email and can view the results of the investigation immediately.

If you believe you have an inquiry on your credit report as a result of fraud, contact the lender directly to ask them about the inquiry. If they find it was made in error, ask them to inform the credit reporting agencies. If it was made fraudulently, contact the TransUnion Fraud Department. In addition, we recommend freezing your credit report to limit access to it. You may also want to check out these resources from identitytheft.gov.

Identity theft is a serious crime, but we’re here to help you through it. Contact the TransUnion Fraud Department for guidance on steps toward fraud resolution.

You can also:

• Alert your financial institutions and cancel credit cards and checks, if needed
• Report the fraud to the FTC and your local law enforcement
• Protect your credit report with a credit freeze and add a fraud alert
• Get a copy of your credit report and check it for inaccuracies
• Use our Fraud Companion Guide as you work toward recovery