You can’t dispute your credit score. However, you can dispute the information in your credit report, which is used to calculate your credit score.
Disputes and Credit Scores
Disputes and Your Credit Score
Common Questions About Credit Scores and Disputes
Your score is calculated based on the information in your credit report. It factors in payment history, length of credit history and other information. As that information changes, your score changes.
Because of this, you can’t dispute a credit score drop. However, we can accept disputes for information on your TransUnion credit report if you think there's something inaccurate or incomplete.
Scores can change when information is added or removed from your credit report, like when you apply for credit or miss a payment. Continuing to make on-time payments and keeping balances low may result in a positive impact to your score. Scores can also change when existing information is updated on your credit report, like if an outstanding balance on an account changes.
Consistent good habits will help you improve your credit health over time. You can learn more about why scores can change in our blog post.
Credit reporting agencies collect similar information from lenders, but lenders can choose to report to one, two or all three of the nationwide credit reporting agencies. And agencies may use different scoring models, which may weigh certain information in your reports more heavily than other factors. That’s why information in your credit report can vary, and why your score can too. Use our tool to learn how to read your credit report and better understand your score.
Your score can also change depending on the day lenders provide updated information to each agency. If you check your credit score before the latest data is included in your credit report, you won’t see those changes.
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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