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Top questions about using Direct Dispute

Which items can I dispute on my credit report?
What reasons are accepted?
My name, address and telephone number are wrong. Can I dispute this kind of info?
How many items can I dispute at once?
How long does it take to get a result?
Can I cancel or modify a dispute I’ve already submitted?
What if I don’t agree with the results?
Can I dispute something on my Equifax report?
Can I attach supporting documents?
Do I need to make a dispute with all 3 credit bureaus?


Which items can I dispute on my credit report?

  • We built this feature in partnership with TransUnion, so you can only dispute account items on your TransUnion credit report.
  • You can dispute the ownership of the account itself, or the accuracy of certain items on the account — like your balance, due dates or status. See a full list of options.
  • If you’re looking to dispute any personal information — like your name, address, employment, date of birth, SSN or telephone number — you’ll need to go directly to TransUnion.

Before you start, keep in mind:

  1. Disputing an error isn’t a guarantee.
  2. If you’re disputing recent account changes, remember that it can take 30 days for activity to show up on your credit report.
  3. You can dispute more than one issue or item with Direct Dispute, but they’re submitted together in a batch. After you submit, you can't go back and add more items until TransUnion finishes reviewing the first batch.
  4. You can’t submit supporting documents through Credit Karma. If you know your dispute needs supporting documents, go directly to TransUnion.


What reasons are accepted?

You can choose to dispute either the ownership or the accuracy of an account, but not both.
Here’s a breakdown of the reasons you’ll be able to choose from. There are a lot of options, so take your time to review them.

Ownership dispute: Choose this option if the information is not yours.
You can only choose 1 ownership reason when you dispute:

  • I have no knowledge of this account.
  • I have no knowledge of this collection account.
  • I am not responsible for this account (e.g. belongs to ex-spouse)
    or business account).
  • This is not my account; it belongs to a relative or person
    with similar name/address.
  • This account was opened fraudulently.

Accuracy dispute: Choose this reason if the item on the report belongs to you, but the details are wrong.
You can choose up to 2 total accuracy reasons when you dispute:

  • The balance and/or past due amount are/is incorrect.
  • The amounts, other than balance and/or past due, are incorrect.
  • The credit limit and/or high balance are/is incorrect.
  • There were fraudulent charges made on this account.
  • The dates on this account are incorrect.
  • The payment history/rating is incorrect.
  • The payment terms or account type are incorrect.
  • This account is too old to be on my credit report.
  • This account is settled.
  • I closed this account.
  • This account is closed.
  • This account is not closed.
  • This account is not a collection or charge-off.
  • This account is included in bankruptcy.
  • This account is not included in bankruptcy.
  • This account is included in bankruptcy of another person.
  • This account is involved in litigation.
  • This account is deferred or in forbearance.
  • The information in the remarks field is missing or incorrect.
  • The "Account in Dispute" remark is missing or incorrect.
  • The creditor agreed to delete this account.
  • The creditor agreed to change account information.
  • The contract related to this account has been cancelled.
  • This account was paid by insurance.

Some unusual circumstances that qualify for accuracy disputes:

  • I am not deceased.
  • I am on active military duty.
  • I am a victim of a natural or declared disaster.


My name, address and telephone number are wrong. Can I dispute this kind of info?

Right now, we don’t support the following kinds of disputes:

  • Your name
  • date of birth
  • Address
  • Employment
  • SSN
  • Telephone number

If any of these things are wrong, go directly to TransUnion to initiate your dispute.

Something wrong on your Equifax report? Go straight to Equifax to start a dispute.


How many items can I dispute at once?

You can dispute multiple account items on your report. Just make sure to “Add More Items” as you go through the flow. TransUnion will review all of your items together in a batch. After you submit, you can't go back and add more items until TransUnion finishes reviewing the first batch.


How long does it take to get a result?

After TransUnion receives your dispute, it can take up to 30 business days to process and complete. You can keep track of your progress in Credit Karma’s Dispute Center. You’ll get a link to the Dispute Center in your dashboard navigation after the dispute is started.


Can I cancel or modify a dispute I’ve already submitted?

No. After you submit a dispute, you can’t change it.


What if I don’t agree with the results?

There are a few things you can do if you don’t agree with the dispute results.

  • Go to TransUnion’s site and submit a Request for Investigation directly. You’ll be able to attach supporting documents to your dispute.
  • Dispute directly with the company that reported the information to TransUnion. You can find the contact information under the account details section of your credit report.
  • File a complaint about the company reporting the account or about TransUnion with the Consumer Financial Protection Bureau or with your State’s Attorney General’s office.
  • Add a 100-word statement to your TransUnion report. You have the right to send TransUnion a note of 100 words or fewer describing your situation or why you disagree with the result, and TransUnion will add this statement to your report. *If you do add a statement, the entire statement will be seen by anyone who can access your report (like banks, lenders, and employers who check credit). You may want to reconsider adding any medical information or details that you want kept private.


Can I dispute something on my Equifax report?

We currently don’t have this service for Equifax. If there’s a mistake on your Equifax report, you can go straight to Equifax. Need more guidance? We can walk you through the steps.


Can I attach supporting documents?

Currently, you can’t add supporting documents when you use Direct Dispute. If you know that you need supporting documents, go directly to TransUnion.


Do I need to make a dispute with all 3 credit bureaus?

When you dispute with one bureau, it should eventually get communicated to all 3 bureaus. However, this may take some time. If you need your information updated and corrected right away, it doesn’t hurt to dispute at all 3 bureaus. These links go directly to the online dispute centers for: TransUnion, Equifax, and Experian.

A couple important things to know:

  • Your account item may not appear at all 3 bureaus. There’s no law that requires creditors to report to every bureau, so you may not see the item you want to dispute at each place.
  • Gather any documentation that supports your dispute. Get electronic copies so that it’s easy to upload into the online dispute process.
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