If you find an error in your TransUnion credit report, we can help you dispute it through our Direct Dispute ™ tool.
Before you begin your dispute, make sure you have your most up-to-date TransUnion report. Remember that creditors typically report information to the credit bureaus every 30 days, but different bureaus may update at different speeds and frequencies.
How Direct Dispute works:
Step 1: Reporting an error through our Direct Dispute™ tool
On your TransUnion Credit Report, https://www.creditkarma.com/credit-health/transunion/report open the account you’d like to dispute.
You should only file a dispute if you believe there is incorrect information on your TransUnion report.
Step 2: Once you click the button that says “Dispute an Error” you’ll be prompted to complete quick form and submit it by clicking “Submit Your Dispute Request to TransUnion” button.
You can dispute multiple items at once with Credit Karma.
A quick note: There are certain errors you won’t be able to dispute using our Direct Dispute™ tool. For example, you can’t dispute incorrect personal information. For these types of errors or if you see an error on your report but there’s no Direct Dispute™ option, you can still file a dispute directly with TransUnion.
Our Direct Dispute™ tool is not available for errors for your Equifax report, but you can file a dispute directly with Equifax online.
Step 3: What to expect after filing a Direct Dispute ™
TransUnion typically completes its investigation within 30 days of the date they receive your request. TransUnion will review your dispute request and let you know if the item(s) will stay on your report or be modified or removed. Filing a dispute request does not guarantee that TransUnion will change your report.
Step 4: Seeing changes on Credit Karma
If TransUnion makes a change to your report as a result of your dispute, you’ll see it on Credit Karma after we get the updated information from TransUnion. Keep in mind that Credit Karma isn’t able to make the change to your credit information, we depend on TransUnion to provide us with updated information.