How to Correct a Trans Union Credit Report

Trans Union is one of the three major United States credit bureaus. It compiles information on consumers and sells it to lenders and other companies where it is used to make financial and employment decisions. Trans Union, like the other bureaus, may make errors in the items it includes on its reports. The Fair Credit Reporting Act (FCRA) gives you the right to review your TransUnion report for free every year and ask that mistakes be corrected through a specific dispute process.

Instructions

1

Photocopy the pages of your TransUnion credit report that contain mistakes and highlight the relevant items. This should be included in the envelope when you send your dispute to TransUnion.

2

Write a detailed letter that describes the mistakes and explains exactly why the information is wrong. The letter should also specifically ask that your TransUnion report be corrected by fixing or removing the disputed items.

3

Photocopy any documents that prove your points. For example, you might have canceled checks or receipts to prove that payments being reported as delinquent were actually made promptly. You may have a statement that shows TransUnion is reporting an incorrect credit line on one of your credit card accounts. Circle or highlight the relevant proof on each document.

4

Mail your letter and documentation to TransUnion via certified mail and ask for a signed delivery receipt. The current address will be listed on the bureau's dispute information web page. TransUnion also accepts online disputes, but the Federal Trade Commission recommends a letter as the safest way to ask for corrections. You can send enclosures with it and the receipt proves that TransUnion actually received it.

5

Recheck your TransUnion credit report once you get a response listing the results of your dispute, Credit Infocenter.com advises. The response will tell you if the bureau is going to fix the items or if it believes it's already correct. You should get this response within 30 to 45 days as required by the FCRA, and you show see the corrections when you get a new report copy.