How to dispute your credit report

Reviewing and managing your information is an important part of protecting your data identity. So, if you notice something you believe is inaccurate on your TransUnion credit report, we’re here to help. Disputing your information with TransUnion is fast and easy. Learn more about credit report disputes below and follow the steps to start a dispute online.

What information on a credit report can be disputed?

Not everything on your credit report can be disputed. For example, you can’t dispute your credit score. Think of your credit score and credit report as two distinct aspects of your credit health. Your report provides a history of how you’ve managed credit, while your credit score reflects a quick glance or measure of that history. Your score is calculated based on some of the information in your report. If you’re concerned about your score because it changed and you’re not sure why, you should review your credit report carefully.

Also, you can’t dispute something in your credit report simply because it’s negatively impacting your credit score. Adverse information, like accounts in collections or missed payments, can’t be disputed if they’re accurate.

 

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