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Does TU Interactive appear on your credit report? What even is TU Interactive? Is this a bad thing?
We get it. These are all questions you are probably asking yourself. To provide clarity to your situation, keep reading. Today, we will tell you what this means, why it is appearing and will show you how to remove TU Interactive from your credit report.
Let’s dive in!
What is TU Interactive?
Do you know who TransUnion is? Sure, you do.
TransUnion is one of the three major credit reporting bureaus. TU Interactive is another name for TransUnion.
While TransUnion traditionally helps lenders and financial institutions verify creditworthiness, they also operate an extensive consumer business.
TransUnion offers consumers a robust credit monitoring service solution for a low fee ($24.95/month).
So, if you recently applied for a credit card or purchased a credit monitoring solution, then this is the reason why TU Interactive appears on your credit report.
Remember, hundreds of lenders and financial institutions employ TransUnion to pull your credit. This is known as a hard inquiry. But how does this affect my credit score?
How Does a TU Interactive Hard Inquiry Affect My Credit Score?
Fortunately, hard inquiries only remain on your credit report for about 2-years and have minimal impact on your credit score. If you recently applied for a loan or a credit card, then you have nothing to worry about.
However, if you did not, then this could be a mistake on TransUnion’s end or an early sign of fraudulent activity and potential identity theft.
Removing TU Interactive From Your Credit Report: Tips & Tricks
If you are trying to remove a negative item from your credit report (TU Interactive), then there are two primary ways you can do so: (1) File a Formal Dispute with TransUnion, and (2) Hire a Professional.
#1. File a Dispute with TransUnion
As one of the largest credit bureaus in the United States, TransUnion may have mistaken you for another customer. This is common. Especially when they are processing millions of credit reports each month.
If you did not apply for a credit card or loan, then you should file a formal dispute with TransUnion. The process is straightforward and easy. You can do it online here.
For more guidance, check out our guide on how to dispute your TransUnion credit report.
Again, filing a dispute with TransUnion is not complicated, nor is it intimidating. They provide in-depth instructions online that will walk you through the entire process step-by-step.
#2. Consider Credit Repair
The best credit repair companies know how to file disputes with all three credit bureaus (Experian, Equifax, and TransUnion).
A skilled professional will do the entire process for you, leaving you with nothing to worry about. Additionally, they will provide tailored guidance on what you need to do to optimize your credit score.
Credit repair companies can help you remove from your credit report:
So, if you prefer expert-level advice, then hiring a credit repair company is the smart thing to do.
Is it a Bad to Have TU Interactive On My Credit Report?
It is not bad to have TU Interactive on your credit report if you recently applied for a credit card or loan. This is just like any other hard inquiry and will fall off your credit report after two years.
Bottom Line: Understanding TU Interactive On Your Credit Report
As we discussed earlier, you can remove TU Interactive from your credit report by either filing a dispute with TransUnion or by hiring a credit repair company.
But remember, a hard inquiry has minimal impact on your credit score, so you really have nothing to worry about.