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To dispute an item on your TransUnion credit report you must use the dispute process. This is done by creating and mailing a dispute letter or hiring a service to dispute items on your credit report on your behalf.

Be aware that if you dispute an item with TransUnion you should also dispute that item with Experian and Equifax. You must dispute the same listing with each credit bureau on its own.

In your letter you need to include what item you are disputing and the reason for the dispute. Reasons include; item out of date, information is wrong, account paid, and more.

Upon receipt of your letter TransUnion will conduct an investigation. They will contact the creditor and ask them to verify the account, the dates, and the balance.

If TransUnion is unable to verify the item then they must remove it from your credit report. It is common for an investigation to result in the removal of an item from your credit report.

If an item is verified then if you have a service they can use advanced dispute techniques to remove it from your report. The techniques include; debt validation, escalated dispute information requests, and creditor direct intervention.

A common concern for people is “Is it legal to dispute my credit?” Yes, the Fair Credit Reporting Act passed by Congress gives you the right to dispute any item on your report that you believe to be inaccurate.

We recommend saving all your communications with TransUnion. Also the credit bureaus have started allowing people to dispute items online, we have found this to be an ineffective way of disputing items on your credit.

Also there is a 100 word statement that you can put on your credit report next to a derogatory item. In the past this was a place where you could provide an explanation as to why the account became delinquent.

Today it is very rarely looked at by lenders and is more often used by the bureaus. The bureaus see this as an admission of guilt and will ignore any letters you send to dispute and remove this item; your letters will be deemed frivolous.

In sum you can dispute and remove bad credit items on your credit report. You do not have to just live with bad credit.