Transunion dispute mail

The dreaded TransUnion dispute mail!

If you've received a dispute letter from TransUnion, it's likely because they've identified an error or discrepancy on your credit report. Here's a step-by-step guide to help you navigate the process:

What to do:

1. Review the letter: Carefully read the letter to understand the specific issue(s) TransUnion has identified.
2. Gather supporting documents: Collect any relevant documents that support your case, such as:
   • Proof of payment (e.g., cancelled checks, bank statements)
   • Documentation for accounts you've closed or paid off
   • Letters from creditors or collection agencies
3. Respond to TransUnion: Write a clear and concise letter to TransUnion, addressing the specific issues mentioned in the letter. Be sure to:
   • Identify the account(s) in question
   • Explain the error or discrepancy
   • Provide supporting documentation (attach copies of the documents you've gathered)
   • Sign and date the letter
4. Mail the response: Send the letter to TransUnion at the address listed on the dispute letter. Make sure to keep a copy of the letter and any supporting documents for your records.

Tips and considerations:

• Be thorough and detailed: Make sure your response is clear and concise, and that you provide sufficient evidence to support your case.
• Keep a record: Keep a record of your dispute, including the date you sent the response and any subsequent communications with TransUnion.
• Follow up: If you don't receive a response or resolution within a reasonable timeframe (usually 30-45 days), you can follow up with TransUnion to inquire about the status of your dispute.
• Consider a goodwill deletion: If the error is due to a legitimate mistake on the part of the creditor or collection agency, you may want to request a goodwill deletion of the negative mark. This is a one-time courtesy that some creditors may grant.

Additional resources:

• TransUnion's dispute process: You can find more information on TransUnion's dispute process on their website, including a dispute form you can use to submit your response.
• Federal Trade Commission (FTC): The FTC provides guidance on disputing errors on your credit report, including a sample dispute letter you can use as a template.

Remember to stay calm and patient throughout the process. Resolving a dispute with TransUnion may take some time, but it's an important step in maintaining the accuracy of your credit report and protecting your credit score.