This method helps you remove negative accounts from your TransUnion report in as little as 1 to 3 days.

1️⃣ Download the App
• Use either the Credit Karma app or the TransUnion app.

2️⃣ Go to the “Accounts” Tab
• Find the negative item you want to remove.
• Tap “Dispute Items.”

3️⃣ Inside the Dispute Center:
• Don’t select anything for ownership.
• For the dispute reason, choose:
“This account is involved in litigation.”

4️⃣ In the Comment Box, paste this:
“I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715 719 | May presume that no proof of the alleged debt, nor therefore any such debt in fact exists.”