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4 Things You Won’t Miss Out If You Attend My Transunion Credit Score | my transunion credit score

If you're one of the many people wondering what to do about their My TransUnion credit score after it was lowered by a credit card company, there are some things you can do to help get back on track. One option is to attempt to correct any errors you find on your credit report, which could include accounts that don't belong to you or that show as open but which have an available balance that won't ever be used. Another option is to contact the credit reporting agencies and dispute incorrect information you find on your report. Many of these agencies now use the Fair Credit Reporting Act to address inaccuracies in consumer reports. You can contact each of the three major bureaus to address your problems with inaccurate information: Equifax, Experian and Trans Union.

To fix your negative my transunion credit score, the first thing you need to do is apply for a social security number freeze. This can only be done once per year and you must apply to each of the agencies for one copy of this application and send the necessary documents to the company that issued your SSN. You can obtain a copy of your application from the official U.S. government site, or you can contact the individual company that manages your social security number for instructions.

After applying for a social security number freeze, the next step is to begin the process of contesting inaccurate negative items on your credit report. There are two ways to go about this: manually and electronically. If you choose to go with the latter option, then you'll need to follow the directions provided by each of the three credit bureaus. For example, if you find that you're listed as being delinquent on a debt, you will need to enter in the creditor's contact information so that you can ask them to reverse the decision. After you submit this, the creditor will be able to provide you with proof that the judgment was inaccurate.

As we noted above, the primary goal of resetting your negative items is to improve your credit score. That said, we do want to highlight some of the other vantagescore 3.0 score voodoo spells that you can perform on your own. First, you should list all of your debts and your past due status with the three major credit bureaus (Experian, Equifax, and Trans Union). Next, you should take note of any delinquent accounts or collection activity that you have recorded in the past three months.

The next step in manually challenging an item is to fill out a dispute form on the specific credit bureaus website. On the same website, you will be able to find instructions for accessing your free credit reports under the section entitled “Free Credit Reports.” You need to fill out the dispute form and attach any relevant documents that you may have. Some of the items that you can dispute include a misleading statement on your application, inaccurate payment history, incomplete or outdated information, and a creditor that does not own the debt that you are contesting. You can also challenge an account if you are not sure if it is yours, in which case you would simply need verification.

The next step in manually challenging an item is to contact the original creditor via the phone number on the records. Once you have the number, simply call them on the phone or send a mail to the company requesting a confirmation that the account is indeed yours. Most of the time, this will be enough to halt the collector from sending more collections calls to your home. However, if the creditor fails to respond promptly, you should begin considering contacting the three credit reporting agencies separately. You can do so by writing to the bureaus, telling them in a simple letter that you have received their letters and cannot accept their claims that you are in error. If they still refuse to remove the erroneous entry, you should then begin consulting with the credit reporting agencies in order to begin removing the negative mark from your My TransUnion credit score.

The last way in which you can challenge an item in your file with the credit bureaus is by requesting a “freeze.” This freeze is similar to what most creditors use when attempting to collect late or delinquent payments. Instead of paying off an entire account, the creditor simply locks the account so that the money cannot be withdrawn. This will not stop you from obtaining other loans or credit, but it will prevent future creditors from reporting the account to the bureaus. Freezing an account usually lasts between seven and thirty days, depending upon your state.

While these steps will help you dispute items in your My TransUnion credit report, there are more resources available online. There are professional dispute organizations that can assist you in removing incorrect personal information. For example, Experian offers the Free Dispute Resolution Program which can expedite the removal process of your negative information. You can also request a copy of your Experian report directly from them. They have a toll-free number as well as a website where you can request a free report.


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