How To Update Information On Transunion

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Your credit written report contains valuable data pertaining to your history of paying creditors. This is important to you, and you lot desire to make sure that the information contained as part of your credit report is accurate. If you move, you may need to update your address. Additionally, you may annotation inaccuracies in the address that is reported, and you may need to correct that.

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Notify your creditors outset of your movement. Ii of the iii major credit reporting agencies, Equifax and Experian, both say that when yous move, y'all demand to notify your creditors, not the credit reporting agency. The agencies volition go notice of whatever address change through the records of the private creditors.^[ane] ^[2]
- It is of import that you notify all your creditors and all companies you practice business with. If y'all move, but neglect to notify creditors, and then bills and notices may exist delayed, and your payments may be late equally a result.
- If you want to be abundantly cautious and transport a discover of accost change to Equifax or Experian, you may practice so, even though they do not require such a notice. You do not need to be concerned with any particular "proof" of the new address.
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Notify TransUnion directly of your move. To change your address with TransUnion, the third major credit reporting agency, TransUnion asks that yous notify them direct. Yous will need to send a written request to update your address, along with two forms of proof of the new accost. The proof may be in the form of a photocopy of:^[3]
- Drivers license
- State ID carte
- Bank or credit union argument
- Cancelled check
- Government-issued ID carte
- Signed letter from homeless shelter
- Stamped mail office box receipt
- Utility bills (water, gas, electric, or telephone)
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Mail documentation to the appropriate office. If you are notifying TransUnion of your address alter, or if you wish to ship a notice to Equifax or Experian, transport your letter, with any supporting documentation, to the appropriate address.
- Your letter can exist very uncomplicated. You may say something like, "I am writing to notify you lot that every bit of July 1, 2016, I accept moved to a new address. The new accost is _____. I am enclosing a re-create of my new commuter'south license and a utility pecker that testify this new address."
- Send correspondence for TransUnion to TransUnion, LLC, Consumer Disclosure Eye, P.O. Box 1000, Chester, PA 19016.
- Send correspondence for Equifax to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374.
- Send correspondence for Experian to Experian, P.O. Box 2002, Allen, TX 75013.
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Make up one's mind that a valid reason for dispute exists. A modify of address due to a move is not a thing for disputing your credit report. A dispute is the means for correcting something that is blatantly incorrect. This may include either an address that you never used, or something as simple as a typographical error.^[4]
- For case, if your correct address is 123 Main Street, only it appears on your credit report equally "124 Main Street," you should treat this as disputing an error.
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Dispute your address with Experian either online or past mail. If y'all wish to notify Experian of an error in your address, y'all can do so either by mail or online. Making the report online will usually lead to faster service.^[5]
- You can make online corrections at http://www.experian.com/disputes/how-to-dispute.html. You will see a link to "Offset a New Dispute Online," and so follow the steps from there to report the correct accost.
- You can notify Experian by mail of any disputed data by writing to Experian's National Consumer Assist Center, P.O. Box 4500, Allen, TX 75013. In your letter, include a clear statement that your accost on your credit report is wrong. Provide the information that currently appears, and and so land what you believe the right information should show. If you have supporting documentation, similar a utility bill or commuter's license, you should include copies.
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Notify Equifax of an incorrect address through its dispute procedure. For Equifax, you lot can brainstorm the dispute process online, or yous may submit a report past mail. Reporting incorrect information online is unremarkably going to produce faster results.^[6]
- To report corrections online, begin at the Equifax Online Dispute page at https://www.equifax.com/personal/credit-report-services/credit-dispute/.
- To written report incorrect information by mail service, you may write to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374.
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Written report to TransUnion for incorrect address information. You may dispute wrong data to TransUnion either by mail or through its online procedure. The online reporting will lead to faster results.
- To report online, visit the screen to dispute an mistake online, at https://dispute.transunion.com/dp/dispute/landingPage.jsp. This screen will prompt you for a userid and password. If you take not used this system before, you lot will need to create an account. After that, y'all will be able to enter the details of your dispute. Tell them about the incorrect address, and so provide the new information. Y'all tin use the same account to check on the status of your dispute afterward on.
- To report an incorrect address by mail service, for TransUnion you will treat it simply the same every bit an address change. Send a letter requesting the correction, forth with two forms of proof, such as an ID or utility bill, to to TransUnion, LLC, Consumer Disclosure Center, P.O. Box 1000, Chester, PA 19016.
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Recognize a possibly fraudulent accost. Something as simple equally an incorrect address is not likely to rise to the level of fraud. But if you lot notice an incorrect address, that never has been connected to yous, together with accounts that yous practise not recognize, that could be an indication that someone has been trying to steal your credit identity.^[7]
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Brainstorm by contacting whatsoever 1 of the three major credit reporting companies. If you are concerned that y'all may be the victim of credit fraud, you only need to contact ane of the iii credit reporting companies, Experian, TransUnion or Equifax. That visitor volition accept your report and will notify the other ii companies.^[8] ^[9]
- You can contact TransUnion at 800-680-7289.
- You can contact Experian at 888-397-3742.
- You tin contact Equifax at 888-766-0008.
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Submit an "Initial Fraud Warning" regarding your address. Notify whichever company you choose to contact that yous wish to identify an "Initial Fraud Warning" on your account. This is a notation that will be attached to your credit report. Whatsoever lending agencies or potential creditors who may be asked to lend yous credit in the future will see that note and will exist warned to verify your identification before extending credit. This is designed for your protection.^[ten]
- An initial fraud alert does not accept any result on your credit score.
- Creditors may not, by law, decline to lend to you because you have reported an initial fraud alert.
- At that place is no charge to you for placing a fraud alarm on your account.
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Marking your calendar for ninety days. The initial fraud warning stays in place for ninety days. During that time, if y'all encounter no other activity that leads y'all to believe anything fraudulent was occurring, then yous may only let information technology drop. If yous wish, you may renew the alert by calling ane of the companies again and asking to renew information technology.

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Whenever you lot are respective by mail, you should keep a copy of whatever letter you ship, together with supporting attachments.
You should keep a record of the dates of any contacts past telephone or email. You lot may wish to refer to this subsequently if you do not hear anything from the companies.

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Commodity Summary 10

If you motility to a new home, you'll need to change your address on your credit study. For Equifax and Experian, you'll need to contact your creditors, who will notify the credit reporting agency. However, for TransUnion, you'll demand to contact them directly by sending a written request. Tell them your old address, new address, and the date of the motility. Brand certain you also include 2 forms of proof of your new accost, similar a bank statement, utility pecker, or updated driver's license. If you demand to change an address on your credit report due to a typographical error, use the online dispute grade on your credit reporting bureau's website. For more tips from our Legal co-writer, including how to written report a possible fraudulent address connected with your business relationship, read on.

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