Trans Union Credit Report

Written by Scott Martin
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If your Trans Union credit report contains inaccurate or incomplete information, you should contact both the credit report agency and the company that provided the information immediately. Tell the credit report agency in writing what information you think is inaccurate. The provider is required to investigate and report the results to the credit report agency.

If the information is in fact incorrect, the provider is required to notify every credit reporting agency nationwide to correct your file. If the investigation does not solve your dispute with the company in the end, you can ask that your statement regarding the investigation be included in your file. A notice of your dispute has to be included anytime the credit report agency reports the item. You certainly don't want incorrect information dirtying your credit report.

How Many People Can Access Your Trans Union Credit Report?

Only those who have a legitimate need can obtain a copy of your credit report. An employer or a prospective employer can only get your credit report if you give them written consent to do so. Insurers, creditors and employers are not allowed to get a report that includes medical information without your approval.

A Trans Union credit report can report negative information for seven years, and bankruptcy information for ten years. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.


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