Credit Bureaus

If you've looked at your TransUnion credit report and find that there is an item that appears to be incorrect, consider disputing that item. This credit bureau makes it simple to report any information that appears to be incorrect through a number of methods.

Steps you would take to dispute the item:

Step #1: Identify Inaccurate Information: Identify which item on your credit report appears to provide inaccurate information and search through your finances to verify it is truly an erroneous item.

Step #2: Choose a Dispute Method: TransUnion makes it possible for you to dispute the inaccurate information one of three ways.

• You can do so by drafting a letter and mailing it to their offices.
• You can call the company and speak with a customer service representative who will guide you through the process of disputing the information.
• You can fill out their online form to do the job.

Step #3: Put TransUnion to Work: TransUnion will contact the data provider reporting the information and ask for verification of the information they have provided. The source may take up to 45 days to verify whether the information on the report is correct or not.

Step #4: The Result: TransUnion will document the outcome of the investigation and make any necessary changes to your report. You will be notified of the outcome of the dispute 3 to 5 business days after the investigation is closed. If you sent in your request via email, your answer will be emailed to you and viewable immediately.

If you disagree with the result of the investigation, you have the right to submit a 100-word customer statement to add to your report explaining your side of the story. If you're not sure exactly what to write, you can speak with a customer service representative to get help with writing your dispute.

If you've walked through your Equifax credit report only to notice one or more errors, it's good to know that disputing the information is fast and easy. Whether you take on the dispute via the Internet or over the phone, by walking through the process, you can have the conduct and investigation to determine whether the information on your report is valid or not.

Online Investigation:

According to Equifax, the online investigation is the fastest and most efficient way to get it done. However, everyone can't have theirs investigated through the site; some have to go through an affiliate office. To determine whether yours can be investigated online, you must enter your zip code on their site.

If your case can be handled by the Equifax website then you will need to provide your identifying number found on your Equifax credit report, your confirmation number, last name, street number, and the last for digits of your social security number. After your information is provided, an investigation will occur.You will receive the results of this investigation via email.

Phone Investigation:

If you want to dispute your inaccuracy over the phone, you will need to call the toll-free number that is listed at the bottom of your online Equifax report. When you reach a customer service representative, you will have to give your 10-digit confirmation number. Once you file a report with the representative, providing the same information you would if you had submitted online, and waiting the same amount of time.

Once you have submitted your request, either online or over the phone, it takes between 30 and 45 days to get a response. If Equifax finds that your dispute was accurate, the information will be removed in a timely fashion.

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