The credit report will contain a File Identification Number (File Number) that will be needed by the representative helping you.
At your request, Trans Union initiates an investigation of any credit information disputed by you.
Once Credit Plus receives confirmation that the bureaus have been able to update credit information for your borrower, Score Plus will repull new credit and advise you to access the updated report and scores.
While Score Plus is unable to guarantee a completion date, turnaround time to update credit information is typically 5-7 business days from the time your request is received.
The items are not correct and are causing me financial distress because of their derogatory information.
Box 740241 Atlanta, GA 30374-0241 Trans Union Consumer Relations P. Box 2000 Chester, PA 19022-2000 [Your Name] [Your Address] [Experian, Equifax or Trans Union address] [Date] Attn.: Consumer Relations Consumer Relations Dept.: I am requesting with this written notice that the following inaccurate items be removed from my credit report.
For friends and family members, you may want to send a handwritten postcard rather than using a formal letter.
If you’re not careful, you could unknowingly undermine your consumer rights – as well as the ability to successfully challenge your case – when disputing credit report errors.
If this happens to you, you have a legal right to sue.
Your Score Plus request must be emailed or faxed using a Score Plus Order Form.
Please include the appropriate documentation needed to update credit information.
But you may not get very far if you don’t take extra steps beforehand to prepare your case, according to numerous court documents reviewed by Credit and interviews with consumer lawyers experienced in handling Fair Credit Reporting Act cases. Disputing only with the lender and not getting the credit bureau(s) involved. Buying a report from a credit bureau(s) and not reading the fine print. Not saving or losing evidence proving the mistake is legitimate. Not including enough information in your dispute against the credit bureau(s). Making an agreement with a debt collector to pay a debt that is more than seven years old.
Many people get tripped up by a confusing number of pitfalls that sometimes begin before they even submit their first dispute. If you know a lender is misreporting your information to a credit bureau, it may seem faster to bypass the credit reporting agency completely and deal only with the lender.