🚀 How to Dispute Negative Items on CreditKarma · (Free)The Creditprenuer Group

Corderro Currie

3d • 📂General discussion

🚀 How to Dispute Negative Items on CreditKarma

Let’s walk through this step by step. Stay focused and follow along, you’ve got this 💪

🖥️ Step 1:

Go to CreditKarma.com and sign into your account.

📊 Step 2: Access Your TransUnion Report

Click on your credit score under TransUnionScroll down and click View Full Credit Report

🔍 Step 3: Find the Negative Account

Scroll until you see Collections or the negative account you want to disputeClick the + sign to expand the account details

📝 Step 4: Start the Dispute Process

Click Go to the Dispute CenterSelect Submit a DisputeClick Get Started

✅ Step 5: Choose Accounts to Dispute

You can dispute up to four accounts at one timePick the account or accounts you want to fightClick Continue

⚖️ Step 6: Select the Type of Dispute

You will be asked: What are you disputing?

Ownership 👉 You are not responsible for this account (example: fraud, ex spouse, business partner)

Accuracy 👉 The account belongs to you, but the details are incorrect (example: wrong balance)

🎯 Step 7: Pick a Dispute Reason

Examples of accuracy reasonsBalance or past due amount is incorrectPayment history is incorrectDates are wrongAccount is too old to be reportedAccount is settled or paidAccount is not a collection or charge offAccount is included in bankruptcyCredit limit or high balance is incorrectCreditor agreed to delete accountRemarks are incorrectAccount was paid by insuranceAccount is involved in litigationAccount was included in another person’s bankruptcyAccount is not closedAccount type or payment terms are incorrectAccount is in forbearanceI am on active military dutyI am not deceased

Examples of ownership reasonsI have no knowledge of this accountI have no knowledge of this collection accountI am not responsible for this account (belongs to ex spouse, business partner, or relative)This account was opened fraudulently

📤 Step 8: Review and Submit

After selecting your reason or reasons, you will see a confirmation pageThis dispute goes directly to TransUnionCheck the box I understandClick Submit

⏳ Step 9: Wait for Results

TransUnion has 30 to 45 days to review and respondWhile the dispute is open, you cannot submit new disputes for those accountsOnce results come back, you can begin new disputes if needed

🔥 Coach’s Tip Stay consistent and patient. Credit repair is a marathon, not a sprint. Each dispute you complete is a step closer to your financial freedom.

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