Please have the following information on hand to complete your dispute:

1. Your TransUnion file number.
2. Social Security number.
3. Date of birth.
4. Current address.
5. Company name of the disputed item (from your credit report)
6. Account number of the disputed item (from your credit report)

How do I add a phone number to my credit report?

You can add your phone number to your credit report by updating the contact information that you have on file with creditors such as auto lenders and credit card companies.

What personal information is required for a credit check?

Personal information: Your name, including any aliases or misspellings reported by creditors, birth date, Social Security number, current and past home addresses, phone numbers, and current and past employers.

How do I challenge a credit inquiry?

If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous.

How can I correct an error on my credit report?

To correct errors on your credit report, you need to contact the credit bureau that is showing erroneous information. Your FICO ® Score uses the information on your credit reports to calculate your FICO Score, so inaccurate or incorrect information on your credit report can hurt your score.

What happens if you challenge something on your credit report?

Under the Act, if you challenge an item on your credit report and the creditor or credit reporting agency can’t verify the item’s accuracy, the act requires the unverified item be confirmed or removed from your credit report. Did you find out about the negative item on your credit report?

What should I do if I dispute my credit report?

If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.

How can I get negative information off my credit report?

You can try requesting that a creditor remove negative reporting in return for full payment. Make a goodwill deletion request. If you have had a positive credit history in general, you can ask a creditor to consider that and not report negative information this time.