Transunion is also offering consumers to file their dispute online. They use such kind of attractive language that a consumer attracts towards it. If you have filed your dispute with Transunion online, it will be a big mistake for sure. It is suggested by the professionals that you should not open up a dispute with Transunion online. Online dispute is recommended only when we have to update personal information like address, spelling mistake and some others.
If you are filling your dispute online you also cannot communicate openly with the credit bureaus. Online disputing system is black and white, you can only select disputed items from the category and many times it does not exist in the category list. Making a credit dispute is very complex process and there is no evidence of an individual who got victory after filing an online dispute.
The most effective way of filing a dispute is to produce it in a form of a letter which you must send via certified mail. Delivery confirmation receipt must be kept for an evidence to keep you safe for any future trouble.
There are some important things which you must keep in mind while preparing a dispute letter for credit bureau. Do not forget to mention your full legal name, your social security number, current mailing address and copies of your passport or driving license.
Also include your creditor’s name, name of disputed entry, and name of collection agency which is following you to get back money. You should also mention the amount due against your loan in words or figures. You can also make your dispute letter more effective by mentioning the name of law which is giving your rights to dispute. Fair credit reporting act is the name of law which protects consumers against the unfair acts of credit bureaus or collection agencies and usually people are not aware of it.