Please keep in mind that each Credit Reporting Agency has their own process and changes typically show up on your credit bureau report within 1-2 billing cycles. Include documentation to support your claim, like a copy of your credit bureau report with the inaccurate info circled.Ĭapital One will complete the review within 30 days, mail you a letter with the results (allow an additional 7-10 days mail time) and notify each Credit Reporting Agency so they can process any changes. In the letter include your name, address, account number, Social Security Number, and date of birth with a detailed description of the issue and how you would like it resolved. ![]() ![]() If you submit a dispute, TransUnion should send you a response within 30 days of when they receive the dispute with the result of their investigation.įor disputes with other credit bureaus, please use the information below:įor disputes with a lender, please contact that lender.įor disputes with Capital One, please send a letter as follows: You may file your dispute with TransUnion over the phone by calling 1-80 or online at TransUnion's website. For example, if you are disputing a missed payment on your account, evidence of a bank transfer or a cleared check that shows you paid the lender could help your dispute. To prepare, gather the facts around the dispute and any documentation that supports your position. You'll have to file a dispute with TransUnion if you found a mistake on your report and want to get it removed or corrected. ![]() Use CreditWise to understand what makes up your score. You asked about filing a credit bureau dispute.ĬreditWise shows you information from your TransUnion credit profile. Capital One CreditWise is a free tool to check and monitor your credit score and it’s AVAILABLE TO EVERYONE not just Capital One customers.
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