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Dispute Transunion
December 5th, 2007 by Shenron
Your credit report is a very important thing. Housing, employment, and purchases can rely heavily on your credit rating. If you have any inaccuracies in your credit report, it could severely affect you. If an error does occur and you notice it right away, you may need to dispute Transunion. Transunion is a consumer reporting agency that provides your credit information to many different areas. Occasionally they make a mistake and that ends up on your credit report. This can happen in a number of different ways such as if someone has your same name and middle initial, you pay a bill but it doesn’t show up for some reason, or a good credit account is absent from your credit report.
If you decide to dispute Transunion, you can choose to send everything and contact them by mail, online, or by phone. The easiest way is to use standard mail as it allows you to send in copies of your credit report, bills, and other important documents that will help clear up the situation. While disputing Transunion, you should keep a folder for your important documents or use a filing cabinet so you can easily access everything you need. When you send in your information, you will need to include a letter that describes the error in detail and why exactly it is an error. If you have a negative account shown on your report that you have paid in full, include the receipt or a current statement that shows you have paid it off.
When you dispute Transunion you should expect to hear them within a few days. They are pretty friendly and the investigators do a thorough job in sorting everything out for you. The total time to investigate and change your credit report could be as long as 45 days depending on the complexity of the error and the availability of paperwork. This is why sending copies of everything you have to them is so important; it can greatly increase the speed at which your credit report is fixed. In the end, getting the process completed quickly is one of the most important things that you can do in order to protect your credit in the long term.
A common error is the lack of accounts on a credit report. When you are first trying to build your credit, every account matters. If you get a copy of your credit report and it says nothing, it can be as bad as bad credit. You can dispute Transunion to include your good standing accounts and it can greatly increase your credit rating. This is the easiest dispute you can do. It takes only a couple of weeks and for those with no credit this can make a world of difference. This can help show those credit companies that you have track record and overall ability to become a responsible user of credit.
Your credit score plays a crucial role in life these days and nobody can afford to have mistakes on their credit report. Just one error could mean the difference between getting a great mortgage and a terribly inflated mortgage. You should check your credit report from Transunion and the other major consumer reporting companies every 6-12 months to ensure everything is in proper order and no mistakes are there. If you fail to do this, then you are risking very serious damage to your credit report. It could happen that fallacies within your report, whatever they might be, could keep you from finding a wonderful rate on your mortgage loan or qualifying for a personal loan.
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