Get answers to the most frequently asked questions.

What is eOSCAR?

eOSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based, Metro 2 compliant system that has been developed by Equifax, Experian, Innovis and TransUnion. eOSCAR-web was designed to provide you with an online solution for processing Automated Credit Dispute Verifications (ACDVs) and Automated Universal Data forms (AUDs). Please call (866) MY-OSCAR or (866) 696-7227 or visit www.e-oscar.org.

Is there a charge to use the eOSCAR system?

Please call (866) MY-OSCAR or (866) 696-7227 or visit www.e-oscar.org.

How do we register with eOSCAR?

Please call (866) MY-OSCAR or (866) 696-7227 or visit www.e-oscar.org.

We are registered for eOSCAR, why are we still receiving paper Consumer Dispute Verification forms in the mail?

Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

We are attempting to register for eOSCAR and the application is requiring a TransUnion Reporting Subscriber code: Can you please provide this code?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

We received a dispute and have questions on how to respond?

Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

How do we update a tradeline we reported incorrectly on our automated data transmission?

An individual tradeline can be modified via the eOSCAR platform using the AUDF process. Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance. Once the request has been processed, please allow 24-48 hours for updates to take effect. Also be sure to make the same correction in the monthly reporting file.

After I submit an AUDF via eOSCAR, when can I expect to see the update reflected on TransUnion's database?

Once the request has been processed, please allow 24-48 hours for the updates to take effect. For additional information, please contact our eOSCAR Support Group (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

Can we add a new tradeline via our eOSCAR platform?

No, tradelines cannot be added but they can be modified via eOSCAR. Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

Can we send our updates via the eOSCAR platform instead of creating and sending our monthly file electronically?

The AUD section of the eOSCAR platform was designed to make a change to an individual tradeline when necessary. Changes made via eOSCAR must also be made to your monthly reporting file. It is recommended you report your full portfolio via our automated data reporting process in the Metro 2 format. Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

Can I modify my institution's phone number and address in eOSCAR?

Yes, you may modify your phone and address through eOSCAR but you must also contact your Data Reporting Representative for modification to the address and phone in the Data Reporting system. If you do not know who your Data Reporting Representative is, please contact the Service Desk at (800) 813-5604.

We are locked out of eOSCAR and need to change administrators. How do we accomplish this?

Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

Who should a consumer contact with questions or regarding a dispute on a TransUnion credit report?

If you are a consumer inquiring about an account and how it is reporting on your TransUnion credit report, please contact Consumer Relations at (800) 916-8800.

We requested an update/deletion to an account via eOSCAR: Can you take a look at the consumer’s credit report and tell me if the change/deletion has been made?

Please utilize TransUnion's Account Reporting Review product to verify that the account change has been made to the file. You may also contact the eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for verification.

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e-OSCAR Dispute Support

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Support Team