Got a TransUnion Dispute?
Posted on May 14th, 2012 By: Josh
We talk a lot about what you can do to improve and repair your credit score and credit history here on Access My Scores. But what we haven’t talked a lot about — at least until now — is what you need to do if you notice that you have a direct dispute with one of the three main credit reporting bureaus within your report (TransUnion, Experian and Equifax).
Many people go into the entire credit repair process thinking that these credit reporting bureaus are infallible. This is simply not true and if you notice that you have a TransUnion dispute (or any other credit bureau dispute for that matter) then you should go into the contact information section on your credit report and get in touch with them immediately.
It’s important to know that TransUnion disputes do actually happen — probably more than you think. So should you notice that a TransUnion dispute exists within your credit report, you should get in touch with them immediately. Namely because, the longer it takes for you to bring the TransUnion dispute to their attention, the more it’s going to hurt your credit as a whole and, also, the longer it’s going to take to help remedy and fix.
In the interests of never really having to worry about a TransUnion dispute like this from happening, initially — as in, as soon as you acquire your credit report for the first time (or immediately right now if you’ve had yours for a while but have never done this check) — check all of your personal information including your name, address, phone number, social security number — anything. Should you notice any discrepancy’s on your report, simply reach out to whichever bureau it applies to and alert them to the problem. A claim will be filed and the process of changing it to the actual information — and ultimately avoiding having it hurt your credit — will be initiated immediately.
So don’t worry if you’ve noticed a potential TransUnion dispute on your credit report. This doesn’t mean that you’re wrong or going crazy. It actually most likely means you’re correct — so don’t wait in reporting it (or definitely don’t not report it at all!) and just initiate the claim to get things back on the right, correct path in no time!
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