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Help Hub - Disputes

Below are the most frequently asked questions, howtos, and tips about disputing information on your credit report.

What is a credit dispute?

Federal law allows you to dispute information on your credit report that you feel is inaccurate or outdated. There is no charge to file a dispute and you can file it with the agency reporting it, or with the credit bureaus directly.

Disputing Frequently Asked Questions

Do disputes hurt your credit?

No. disputing items on your credit report does not hurt your credit score. However, some lenders will not approve you for a home loan if you have items in dispute. Keep that in mind if you plan on applying for a home loan in the near future.

Can a disputed item come back?

If you dispute an item on your credit report and it is removed, it can reappear if it is later determined to be accurate. This is very rare, however.

Is it worth disputing an item on your credit report?

Filing a dispute has no impact on your credit. Simply put, if it is determined to be accurate it will remain. If it can't be verified as accurate within a given timeframe, it will be removed from your credit report.

Can I dispute TransUnion Online?

If there is an item on your credit report that you believe is inaccurate or outdated, you have the right to challenge the item with Transunion. You can dispute with them by mail, online or phone.

TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000.

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