How To Repair Your TransUnion Credit Report

Why repair your TransUnion credit report? You will want to repair your TransUnion credit report in order to get good credit. If there are errors to your report, you can fix it in just a few steps. Further to this, if you do have bad reporting, this can also be fixed very fast.

Things you can do to keep a strong Transunion Credit Report

Pay Off Collections

Make sure you avoid getting collections and pay off any collections you do have. As soon as you pay everything off, your credit score will start to increase

Pay All Balances Within 30 Days

This show as R1 on your credit report. The more 1’s you have on a credit bureau, the better and longer your credit has been on a trade line. TransUnion will look at this and reward you with a strong score

Dispute Information On Your Credit Report (Errors) Here 

https://www.transunion.com/credit-disputes/dispute-your-credit.

Dispute Unauthorized Credit Pulls

Car dealerships are notorious for pulling your bureau up to 20 times in day. This is not legal and it drops your score significantly.

When you make these disputes, in most cases the negative pulls will be removed from your credit bureau, thereby increasing your credit score.

Lawsuits

If you have a lawsuit, dispute this with evidence that the lawsuit has been paid or settled.

Pay all credit cards and lines of credit on time!

Pay Your Student Loans On Time!

Don’t forget when repayment starts.

Pay Your Revenue Canada Balances

They are allow to report owing to the credit bureau as well as garnish your wages!

Put as many of your payments on auto withdrawal from your credit cards, so that you get the points and the bills are paid on time.

Refinance vehicles to pay off high interest debt (We can assist with this)

Avoid Consumer Proposals!!!

Sometimes these are presented as consolidation loans.

Make sure if you move, you let all of your creditors know, so that they can

Check out our other video about repairing your TransUnion report.