service.transunion.com
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104.19.152.15
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Submitted URL: https://fraud.transunion.com/fa/fraudAlert/
Effective URL: https://service.transunion.com/dss/login.page?dest=fraudAlert
Submission: On August 29 via api from US — Scanned from DE
Effective URL: https://service.transunion.com/dss/login.page?dest=fraudAlert
Submission: On August 29 via api from US — Scanned from DE
Form analysis 1 forms found in the DOM
POST /dss/login.page?submit=true&componentID=1527812999683
<form data-module="ValidationForm" autocomplete="off" action="/dss/login.page?submit=true&componentID=1527812999683" method="post">
<input value="RedirectorController" name="iwPreActions" type="hidden"><input value="1527812999683" name="ComponentID" type="hidden"><input value="loginIntersticial" name="DestinationPage" type="hidden"><input name="requestToken" type="hidden"
value="fsMtsHQTONE6dXozqp7BHVT3dqKnw9jMuidmWdCiMimRNaAxKBKOMAXTvLuc48DjIcGbQmoRzXR37s3WU0DFexfedddf021tt1fseSUQ74s="><input name="tl.transform-version" type="hidden" value=""><input name="Action" type="hidden" value="AUTHENTICATE">
<div class="content">
<div class="bg-banner"></div>
<div class="contain" role="main" id="main-content-id" tabindex="-1">
<section class="section -message" id="logout-message" style="display: none;">
<div class="message">
<div class="list -icons -compact">
<div class="errorMessage">
<i class="icon -li -exclamation"></i>
<span class="message-type">You are now logged out.</span>
</div>
</div>
</div>
</section>
<section class="section freeze-section">
<div class="section-heading">
<h1 id="welcome" class="section-title" style="display: block;">Welcome</h1>
<p>Log in or create a user account to manage your TransUnion credit information.</p>
</div>
<div class="layout">
<div class="layout-content">
<div class="form">
<div class="form-field">
<label for="username">Username</label>
<input type="text" value="" id="username" name="tl.username" aria-describedby="username_desc" data-selenium="form-login-username" maxlength="50" aria-invalid="true" autocomplete="off">
<p id="username_desc" hidden="hidden"> User name should not have any special characters </p>
<div class="form-messages">
<p class="form-message"></p>
</div>
</div>
<div class="form-field">
<label for="password">Password</label>
<input type="password" value="" id="password" name="tl.password" aria-describedby="password_desc" data-selenium="form-login-password" maxlength="15" aria-invalid="true" autocomplete="off">
<p id="password_desc" hidden="hidden"> Password should have any special characters </p>
<div class="form-messages">
<p class="form-message"></p>
</div>
</div>
<input type="hidden" name="tl.blackbox" id="ioBlackBox"
value="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;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">
<button data-ga-category="Page Interaction" data-ga-action="submit" data-ga-label="Login Form" type="submit" class="btn -large" data-module="AjaxButton" data-loading-text="Logging in..." data-selenium="form-login-submit">Log in</button>
<p>By logging into this site, you agree to the TransUnion <a href="/dss/support.page?panel=terms" target="_blank">Terms of Service</a> and expressly authorize TransUnion to obtain your credit report information.</p>
<p><a href="/dss/loginHelp1_form.page?" rel="PasswordReset" data-selenium="trigger-login-forgotusernamepassword">Forgot Login Information</a></p>
<div class="divider -between-section"></div>
<p><a href="/dss/orderStep1_form.page?" rel="CreateAccount" data-selenium="trigger-login-createaccount">Create an account to start managing your TransUnion credit information.</a></p>
</div>
</div>
</div>
</section>
<section class="section freeze-section">
<div class="section-heading">
<h2>What can I do on this site?</h2>
<p id="whatCanIDo">Manage a credit freeze or fraud alert, submit a dispute request or check dispute results, add a consumer statement to your credit report, or request a personal credit report disclosure.</p>
<div class="tooltip" data-module="Tooltip">
<button class="tip-trigger tooltip-button" data-selenium="trigger-login-tooltip-access" type="button"><i class="icon -info"></i><span class="trigger-wrap"><span class="trigger-wrap">Do I already have access?</span></span></button>
<span class="tip" id="whatCanIDoTip">
<p>If you recently updated a TransUnion credit freeze or fraud alert online or purchased a personal credit report disclosure online, or if you requested a dispute online, you should have an existing username and password that will work
on this site. If you can't remember your login information, <a href="/dss/loginHelp1_form.page">we can help</a>.</p>
</span>
</div>
</div>
<div class="login-row">
<div class="login-col">
<img class="login-icon" src="/sites/dss/assets/images/freeze/frozen.svg" alt="Credit Freeze">
<h3>Credit Freeze</h3>
<p>Control who can access your credit information.</p>
<div class="tooltip" data-module="Tooltip">
<button class="tip-trigger tooltip-button" data-selenium="trigger-login-tooltip-tellmorefreeze" type="button""><i class="icon -info"></i><span class="trigger-wrap"><span class="trigger-wrap">Tell Me More</span></span></button>
<span class="tip">
<p>A credit freeze prevents lenders from checking your credit in order to open a new account. A freeze may also prevent your information from being released for other inquiries. Under federal law, there are certain situations where a
freeze won't stop someone from checking your credit, such as for underwriting insurance or credit monitoring services you subscribed to. If you have a freeze on your credit report, you will need to lift or remove it before you apply
for credit.</p>
</span>
</div>
</div>
<div class="login-col">
<img class="login-icon icon-dispute" src="/sites/dss/assets/images/freeze/dispute.svg" alt="Dispute">
<h3>Dispute</h3>
<p>Investigate and fix possible inaccuracies on your credit report.</p>
<div class="tooltip" data-module="Tooltip">
<button class="tip-trigger tooltip-button" data-selenium="trigger-login-tooltip-tellmoredispute" type="button"><i class="icon -info"></i><span class="trigger-wrap"><span class="trigger-wrap">Tell Me More</span></span></button>
<span class="tip">
<p>If you see an item on your TransUnion credit report that you think is inaccurate, you can start a dispute and we'll investigate it. You can use this site for most dispute requests, such as disputes related to accounts and public
records, disputes to delete inaccurate personal information and requests to add a Consumer Statement to your TransUnion credit report. You can also upload supporting documentation for account disputes here.</p>
</span>
</div>
</div>
</div>
<div class="login-row top-border">
<div class="login-col">
<img class="login-icon" src="/sites/dss/assets/images/dashboard/fraud-alert.svg" alt="Fraud Alert">
<h3>Fraud Alert</h3>
<p>Notify lenders to take extra steps to verify your identity.</p>
<div class="tooltip" data-module="Tooltip">
<button class="tooltip-button tip-trigger" data-selenium="trigger-login-tooltip-tellmorefreeze" type="button"><i class="icon -info"></i><span class="trigger-wrap"><span class="trigger-wrap">Tell Me More</span></span></button>
<span class="tip">
<p>A fraud alert helps protect you from possible credit fraud by requiring lenders to take extra steps to verify the identity of anyone applying for credit in your name.</p>
<p>You can also remove an existing fraud alert, renew a fraud alert or change the phone number(s) where lenders can contact you to verify you're the one applying for credit.</p>
</span>
</div>
</div>
<div class="login-col">
<img class="login-icon disclosure-icon" src="/sites/dss/assets/images/dashboard/Disclosure_Icon.svg" alt="Personal Credit Report">
<h3>Credit Report</h3>
<p>Request a free TransUnion credit report.</p>
<div class="tooltip" data-module="Tooltip">
<button class="tooltip-button tip-trigger" data-selenium="trigger-login-tooltip-tellmorefreeze" type="button"><i class="icon -info"></i><span class="trigger-wrap"><span class="trigger-wrap">Tell Me More</span></span></button>
<span class="tip">
<p>Your TransUnion credit report is a record of your credit activity and history. It includes credit inquiries, open and closed credit accounts, your payment history and bankruptcies (if applicable). In addition to credit data, your
credit report also contains personal information such as your current and former address(es), names and employers. When you access your credit report on this site, you will have the option to purchase your credit score.</p>
<p>You can currently access your TransUnion credit report on this site once every 24 hours. <a href="#FAQs" class="faq-trigger">Learn more about credit reports and scores.</a></p>
</span>
</div>
</div>
</div>
</section>
<section id="consumerStatement" class="section freeze-section text-left">
<div class="login-row covid-statement">
<div class="img-col">
<i class="icon -create-account -large -blue -before"></i>
</div>
<div class="copy-col">
<h3>Consumer Statement</h3>
<p>Add a note to your credit report if you want to provide additional context to explain your financial situation to anyone who views your credit report. We provide several pre-written options you can choose from, or you can also write a
statement in your own words.</p>
<ul>
<li>Add a note to your credit report about COVID-19’s impact or other financial considerations related to your credit report.</li>
<li>If you already have a dispute in process, you can still add or remove your consumer statement on this site.</li>
</ul>
</div>
</div>
</section>
<section id="ccpa" class="section freeze-section text-left hidden">
<div class="section-heading">
<h2>California Consumer Privacy Act (CCPA) Requests</h2>
</div>
<p>Creating an account is the easiest way to submit your data privacy request. You'll be able to log back in anytime to check your request status, and you won't have to reconfirm your identity each time you want to make a request. Plus,
you'll get your results online.</p>
<p>*Please note: Once you sign up for an account, you'll need to sign in to submit any future data privacy requests.</p>
<p style="text-align: center"><a href="/dss/orderStep1_form.page?" class="btn">Create An Account</a></p>
<p></p>
<h3>Prefer not to create an account?</h3>
<p></p>
<p>You don't have to create an account to submit a CCPA request. If you don't create an account: </p>
<ol>
<li>You'll only be able receive your results by mail.</li>
<li>You won't be able to see options to freeze or dispute something on your TransUnion credit report in the same transaction.</li>
</ol>
<p></p>
<p><a href="/dss/ccpa_optout.page?">Use our easy CCPA Opt-Out form</a> to submit a CCPA request without logging in. To request a disclosure or deletion of information without setting up a user account,
<a href="/dss/orderStep1_form.page?isGuest=true" rel="CreateGuestAccount" data-selenium="trigger-login-createguestaccount" data-ga-category="Page Interaction" data-ga-action="click" data-ga-label="login_create_guest_account" class="ga-track-click">Continue as a guest</a>
to start a CCPA request.</p>
</section>
</div>
</div>
<script>
document.getElementsByTagName('body')[0].className = "user-logged-out page-login";
if ((window.location.search).match(/LOGOUT/)) {
document.getElementById('logout-message').style.display = "block";
} else {
document.getElementById('logout-message').style.display = "none";
}
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WELCOME
Log in or create a user account to manage your TransUnion credit information.
Username
User name should not have any special characters
Password
Password should have any special characters
Log in
By logging into this site, you agree to the TransUnion Terms of Service and
expressly authorize TransUnion to obtain your credit report information.
Forgot Login Information
Create an account to start managing your TransUnion credit information.
WHAT CAN I DO ON THIS SITE?
Manage a credit freeze or fraud alert, submit a dispute request or check dispute
results, add a consumer statement to your credit report, or request a personal
credit report disclosure.
Do I already have access?
If you recently updated a TransUnion credit freeze or fraud alert online or
purchased a personal credit report disclosure online, or if you requested a
dispute online, you should have an existing username and password that will work
on this site. If you can't remember your login information, we can help.
CREDIT FREEZE
Control who can access your credit information.
Tell Me More
A credit freeze prevents lenders from checking your credit in order to open a
new account. A freeze may also prevent your information from being released for
other inquiries. Under federal law, there are certain situations where a freeze
won't stop someone from checking your credit, such as for underwriting insurance
or credit monitoring services you subscribed to. If you have a freeze on your
credit report, you will need to lift or remove it before you apply for credit.
DISPUTE
Investigate and fix possible inaccuracies on your credit report.
Tell Me More
If you see an item on your TransUnion credit report that you think is
inaccurate, you can start a dispute and we'll investigate it. You can use this
site for most dispute requests, such as disputes related to accounts and public
records, disputes to delete inaccurate personal information and requests to add
a Consumer Statement to your TransUnion credit report. You can also upload
supporting documentation for account disputes here.
FRAUD ALERT
Notify lenders to take extra steps to verify your identity.
Tell Me More
A fraud alert helps protect you from possible credit fraud by requiring lenders
to take extra steps to verify the identity of anyone applying for credit in your
name.
You can also remove an existing fraud alert, renew a fraud alert or change the
phone number(s) where lenders can contact you to verify you're the one applying
for credit.
CREDIT REPORT
Request a free TransUnion credit report.
Tell Me More
Your TransUnion credit report is a record of your credit activity and history.
It includes credit inquiries, open and closed credit accounts, your payment
history and bankruptcies (if applicable). In addition to credit data, your
credit report also contains personal information such as your current and former
address(es), names and employers. When you access your credit report on this
site, you will have the option to purchase your credit score.
You can currently access your TransUnion credit report on this site once every
24 hours. Learn more about credit reports and scores.
CONSUMER STATEMENT
Add a note to your credit report if you want to provide additional context to
explain your financial situation to anyone who views your credit report. We
provide several pre-written options you can choose from, or you can also write a
statement in your own words.
* Add a note to your credit report about COVID-19’s impact or other financial
considerations related to your credit report.
* If you already have a dispute in process, you can still add or remove your
consumer statement on this site.
CALIFORNIA CONSUMER PRIVACY ACT (CCPA) REQUESTS
Creating an account is the easiest way to submit your data privacy request.
You'll be able to log back in anytime to check your request status, and you
won't have to reconfirm your identity each time you want to make a request.
Plus, you'll get your results online.
*Please note: Once you sign up for an account, you'll need to sign in to submit
any future data privacy requests.
Create An Account
PREFER NOT TO CREATE AN ACCOUNT?
You don't have to create an account to submit a CCPA request. If you don't
create an account:
1. You'll only be able receive your results by mail.
2. You won't be able to see options to freeze or dispute something on your
TransUnion credit report in the same transaction.
Use our easy CCPA Opt-Out form to submit a CCPA request without logging in. To
request a disclosure or deletion of information without setting up a user
account, Continue as a guest to start a CCPA request.
FAQ
* Credit Report & Score Basics
* Logging In
* ID Verification
* Account Information
* Freeze
* Understanding My Credit Report
* Understanding Credit Scores
* Preparing for a Dispute
* Using the Dispute Feature
* Uploading Supporting Documents for Disputes
* Waiting for Dispute Results
* Understanding Dispute Results
* Adding a Fraud Alert
* Editing, Renewing or Deleting a Fraud Alert
* Consumer Privacy Requests
* WHAT IS PERMISSIBLE PURPOSE?
Companies can access your credit report data only if they have a permissible
purpose under the Fair Credit Reporting Act. For example, companies may
request to access your credit report data for purposes such as these:
* To grant new credit to you
* For employment purposes
* For rental screening
* For insurance underwriting
* To provide credit reports and/or credit monitoring data to you
* Other purposes as defined in the Fair Credit Reporting Act
* WHAT'S A CREDIT SCORE AND HOW CAN I SEE IT?
A credit score is a three-digit number calculated based on the information in
your credit report. It is one factor used by lenders to determine your
creditworthiness for a mortgage, loan or credit card. Your score can affect
whether you're approved for credit, as well as what interest rate you're
charged. The score you receive on this site is based on the VantageScore® 3.0
scoring model. There are many different credit scores, and the score you
receive on TransUnion's site may not be the score used by a particular
lender.
Your TransUnion credit score is not included with your credit report.
* You can order your TransUnion credit score on this website and get your
score online. You can then print or save it, or view it online for up to
30 days.
* You can also order your TransUnion score by contacting our Consumer
Relations team: contact us by phone or mail. The price for a TransUnion
credit score sent by mail is $9.95.
TransUnion also provides your credit score when you enroll in our paid online
credit monitoring subscription.
* DOES CHECKING MY CREDIT REPORT HURT MY SCORE?
No. Checking your own credit report is considered a soft inquiry, and those
don't affect your score.
* AM I ELIGIBLE FOR A FREE CREDIT REPORT?
You are entitled to one free credit report each year from the credit
reporting agencies. To request your TransUnion, Equifax and/or Experian
credit report, please visit www.annualcreditreport.com.
Learn more about other options to get your credit report.
You may also be eligible to receive a copy of your TransUnion personal credit
report at no charge if:
* Within the last 60 days, you have received an adverse action notice based
on information from your TransUnion credit report
* You are unemployed and plan to seek employment within 60 days
* You receive public welfare assistance
* You have reason to believe your TransUnion credit file is inaccurate due
to fraud
* Your state offers a free or reduced-price Personal Credit Report
If one of the reasons above applies to you, request your disclosure report
via this website.
* WHICH WEB BROWSER CAN I USE TO ACCESS THIS SITE?
This TransUnion website supports all major browsers. To ensure the security
of your information online and to support an optimal online experience, check
that you are using the latest version of your preferred browser.
Browser Version Recommendations:
* Microsoft Internet Explorer
* Mozilla Firefox
* Google Chrome
* Apple Safari
Security:
TransUnion supports 128-bit encryption. To safely use this site, your browser
must support encryption. Please see our browser recommendations to ensure
that your visit to this TransUnion website is safe and secure.
* CAN I LOG IN WITH MY TRANSUNION CREDIT MONITORING OR TRUEIDENTITY.COM
USERNAME?
If you have a user account for TransUnion Credit Monitoring or
TrueIdentity.com, that login information won't work here.
If you recently updated a TransUnion credit freeze or fraud alert online, or
have previously submitted a dispute online with TransUnion, you should have
an existing username and password that will work on this site.
* WHAT IF I FORGOT MY PASSWORD OR USERNAME?
We offer a login help process that is easy and secure. You will be asked to
enter components of your account information to identify yourself. Once we
validate that the information entered is accurate, you will be granted access
to your account. You will receive an email notification once the process is
complete.
* HOW DO I CHANGE MY LOGIN INFORMATION?
After you have logged in, click the link to your Profile at the top of the
screen, then select the My Settings tab. Here, you can change your password
and other account credentials.
* HOW DO I CHOOSE A GOOD USERNAME AND PASSWORD?
When selecting a username, you should pick something you can remember but
that is also unique. We suggest using your email address.
Your password should be 8-15 characters in length using numbers and letters;
remember it is also case sensitive.
* WHAT IS A SECRET QUESTION AND SECRET ANSWER?
We provide a list of secret questions, and your secret answer is your
response to one of the chosen questions. They will help you log in if you
forget your username or password. For example, if you choose the question:
"What city were you born in?" then your secret answer could be "Los Angeles".
Make sure the answer is specific enough so it will help you reset your login.
* WHAT IF I FORGOT MY SECRET ANSWER?
If you forgot your secret answer, please contact our Website Access Support
team so that we can help you reset your password by phone.
* WHAT IS IDENTITY VERIFICATION?
The Identity Verification process is an essential part of the TransUnion
Interactive website because it protects your privacy by ensuring that your
credit information can only be accessed or viewed by YOU.
Identity Verification confirms your identity through one of two methods: by
sending a security passcode to your phone that you must enter on the site, or
by asking you a series of questions based on your accounts, personal
information and other information contained in your credit report. Here's how
it works:
Security passcode
* Our system sends a temporary security passcode to the phone number you
provide during sign up, either via text message or an automated voice
call.
* You enter the passcode on this site within 15 minutes to successfully
confirm your identity.
* Once you've successfully confirmed your identity by entering the security
passcode, you'll have access to your online credit report.
* If you don't have access to your phone right now, you can log out and come
back later. When you log back in, you can continue where you left off.
Security questions
* The system presents you with a question based on information contained in
your credit report.
* You select the answer from a list of possible choices and click "Next" to
continue.
* As you submit your answers, that information is compared with the
information in your credit report.
* You'll need to answer as many questions as necessary to successfully
confirm your identity.
* Once your identity is confirmed, you'll have access to your online credit
report.
* If you need to leave the site to look up some information, simply log off
and come back within three days to continue your identity verification.
If your identity can't be confirmed online, you'll be given instructions on
how to continue.
* IS THE IDENTITY VERIFICATION PROCESS REALLY NECESSARY?
The protection of your security and privacy is extremely important to us.
Identity Verification is a powerful fraud protection tool because it asks
questions that can only be answered by the person who is the subject of the
credit report. Without Identity Verification, an unauthorized party could
obtain your most private credit information.
* WHY CAN'T I CHOOSE WHICH METHOD OF IDENTITY VERIFICATION TO USE?
Our Identity Verification system considers the phone number you provided and
the device you're currently using. Then it automatically selects the safest
method to confirm your identity.
* I'M SELECTING THE CORRECT ANSWER(S) TO MY SECURITY QUESTION(S). WHY WON'T
IDENTITY VERIFICATION CONFIRM MY IDENTITY?
Our security questions use specific information contained in your credit
report. It's possible that the answer you selected is not reflected in your
current credit report, or that your lender hasn't reported an update to the
credit reporting agencies yet. If you're unable to pass the security
questions, please follow the instructions provided below.
* WHAT IF THE SECURITY QUESTIONS ASK FOR OUTDATED INFORMATION THAT I NO LONGER
HAVE?
The security questions may ask for information about accounts that you've
closed within the past three years. You may need to review your files or
contact your previous lenders to request the information. If you can't access
that information and you're unable to pass Identity Verification, please
follow the instructions provided below.
* WHAT IF I'VE TRIED EVERYTHING, AND IDENTITY VERIFICATION STILL CAN'T CONFIRM
MY IDENTITY?
Please contact our Website Access Support team at 866-744-8221, available
Monday through Friday: 8:00 AM - 9:00 PM ET, Saturday through Sunday: 8:00 AM
- 5:00 PM ET.
A support team agent will attempt to confirm your identity by asking you
questions about your credit history. Once your identity has been confirmed,
the agent will be able to guide you through your request online.
* HOW DO I UPDATE MY EMAIL ADDRESS?
The My Information tab under your Profile allows you to easily update your
email address. To get there, click the link to your Profile at the top or
bottom of the screen, then select the My Information tab.
* WHY WOULD I NEED TO CHANGE MY EMAIL ADDRESS?
If you change your email address, you should update your information with
TransUnion. Having your current information in the system allows us to
contact you, if necessary, about your user account with us. Please note, no
one who views your credit report will be able to see the email address you
have provided on this site.
* WHY CAN'T I CHANGE MY SOCIAL SECURITY NUMBER?
If you made a mistake when typing your Social Security number on the web
form, unfortunately you will have to start the process over from the
beginning.
* WHY FREEZE MY CREDIT?
You have a right to place a security freeze, also called a credit freeze, on
your credit report, which will prohibit a consumer reporting agency from
releasing information in your credit report without your express
authorization. The freeze is designed to prevent credit, loans and services
from being approved in your name without your consent.
Visit our main Freeze FAQ to learn more.
* IF I FREEZE WITH TRANSUNION, DO I NEED TO FREEZE WITH THE OTHER CREDIT
REPORTING AGENCIES?
Yes. You can place a freeze on your TransUnion credit report, but to freeze
your credit with the other credit reporting agencies, specifically Equifax
and Experian, you must contact them yourself.
* DOES A CREDIT FREEZE AFFECT MY CREDIT SCORE?
No, a credit freeze doesn't affect your credit score. Your credit score is
calculated independently using a number of other factors.
* WILL A FREEZE BLOCK "PRE-APPROVED" OFFERS OF CREDIT?
Under the Fair Credit Reporting Act, a credit freeze may not block companies
from accessing your credit report data for prescreening.
To stop receiving new pre-approved offers of credit or insurance from the
major credit reporting companies — TransUnion, Experian, Equifax and Innovis
- opt out here.
For help with other questions about TransUnion credit freezes, please visit
our main Freeze FAQ.
* HOW DO I LIFT OR REMOVE MY FREEZE?
If you want to apply for credit, you must lift or remove your freeze ahead of
time. To read more information on lifts or removals please visit our main
Freeze FAQ.
* WHAT'S A CREDIT REPORT?
Your credit report is a record of your credit activity and history. It
includes credit inquiries, open and closed credit accounts, your payment
history and bankruptcies (if applicable). In addition to credit data, your
credit report also contains personal information such as your current and
former address(es), names and employers.
A credit report is one piece of information lenders can use to help them make
decisions about your credit application. Insurance providers, potential
employers and other types of business entities with a permissible purpose may
also use a credit report to make offers of insurance, employment or other
services.
* WHERE DOES THE INFORMATION IN MY CREDIT REPORT COME FROM?
As a credit reporting agency, TransUnion collects and reports the information
we receive from thousands of different sources, including banks and lending
institutions; public utilities; local, state and federal courts; other public
record sources and other data providers. We receive billions of consumer
information updates each year, including information on consumer spending and
payment histories, and bankruptcies.
* WHY CAN'T I VIEW MY CREDIT REPORT?
You may get a message on this site that says we're unable to complete your
request for a credit report. This may happen for a few reasons:
* Already requested report — If you already accessed your credit report on
this site in the past 24 hours, you'll need to wait until 24 hours have
passed from your last request before you can request another credit
report.
* Active dispute — If you have an active dispute investigation with
TransUnion, we'll be able to provide your credit report online only after
your dispute is complete. If you wish to get a mailed copy of your credit
report as it existed before you initiated your dispute request, contact
our Consumer Relations team.
* No recent credit history, or outdated personal information — It's possible
we don't have a credit report matching the personal information you
provided. If you have an active credit history in your name, you can check
your user profile to make sure your personal information is up to date. If
you have no (or very limited) recent credit activity, you may want to
learn more about how to establish a credit history.
If you don't have an active dispute, and you do have recent credit activity
that's associated with the same name and address on your user profile, then
you may need to contact us for help. Please reach out to our Consumer
Relations team so that we can help you access your credit report online.
* WHAT INFORMATION IS IN MY CREDIT REPORT?
There are four primary categories of information in each type of credit
report:
* Identifying information: Your name, current and previous addresses, Social
Security number, telephone number, date of birth, and current and previous
employers.
* Public records: Bankruptcy records that may affect your creditworthiness.
* Credit account history: Information related to your accounts, including
your payment history with lenders such as retail stores, banks, finance
companies, mortgage companies and collections agencies.
* Inquiries: A list of the lenders and other authorized parties who have
received your credit report in the last 2 years. The inquiries section of
your credit report on this site may also show details about your own
requests for your credit report, and about companies that receive your
name and address information to offer you credit or insurance.
Your credit report does not contain your credit score; your race, gender,
religion, or national origin; purchases you made with cash or check; business
accounts (unless you are personally liable for the debt) or your medical
history.
* WHAT IS A CONSUMER STATEMENT? HOW DO I ADD ONE TO MY CREDIT REPORT?
Every person has a unique financial story, and a consumer statement is an
opportunity to tell yours. You can add this kind of statement to your credit
report to explain your financial situation to anyone who views your credit
report.
We provide several pre-worded options that you can choose from like, "I am
unable to make timely payments due to the impact on my job/wages as a result
of the COVID-19 pandemic," or you can write your own statement, in your own
words. If you decide to add any personal or medical information, anyone who
views your credit report will be able to see it.
A consumer statement is your opportunity to be heard. If you think it's the
right option for you, simply follow these instructions:
1. Go to the Dispute page in the TransUnion Service Center
2. Scroll down to the Manage Your Consumer Statement area and click the
Manage My Statement button.
3. If you have an existing consumer statement, you can add text to it or
delete it. If you want to rewrite your existing statement, delete your
statement first and then add a new statement.
4. We provide several pre-written consumer statement options you can choose
from, or you can also write a statement in your own words in 100 words or
less (200 or less in Maine).
5. If you're adding new statement text, you'll be able to review your
statement updates before you submit them.
6. We will process your request immediately and your credit report will show
your changes to your consumer statement information within minutes.
If you are not able to manage your consumer statement online, you can dispute
by phone or mail to update your statement.
* CAN I ADD A CONSUMER STATEMENT TO MY FILE IF I'M AFFECTED BY COVID-19?
Absolutely, you can add a consumer statement note to your credit report if
you want to provide additional context to explain your financial situation to
anyone who views your credit report. To make things easier for you, we
provide several pre-worded options that you can choose from like, "I am
unable to make timely payments due to the impact on my job/wages as a result
of the COVID-19 pandemic." You can also write your own statement in your own
words. Add a consumer statement via the Dispute Center.
* WHY DON'T MY CREDIT REPORTS SHOW THE SAME INFORMATION?
There are a few main reasons why credit reports from different sources may
show different information:
* Different credit reporting agency: When you have an account with a lender,
they'll typically submit account updates to at least one of the three
major credit reporting agencies — TransUnion, Equifax and Experian. Since
lenders don't always report to all three agencies, the information on your
credit reports may vary.
* Different credit report date: It's also important to note that lenders
report information to the credit reporting agencies at different times of
the month, so you might see slight differences in your reports, and
therefore your credit scores, at any given time.
* WHO CAN ACCESS MY CREDIT REPORT?
The federal Fair Credit Reporting Act (FCRA) limits who has access to the
information on your credit report and how your report can be used. Businesses
or individuals can only access your credit report if they have a permissible
purpose. That is, they must have a specific, allowable reason under section
604 of the FCRA. Examples of some types of companies that may have access to
your report under some circumstances include:
* Mortgage lenders
* Landlords
* Utility companies
* Car insurance companies
* Employers
* Government agencies
* Collection agencies
Subject to specific exceptions in the FCRA, a consumer reporting agency may
only provide your credit report to businesses or individuals under the
following circumstances:
* In connection with a credit transaction that involves you
* For underwriting insurance that involves you
* In connection with determining eligibility for a license or government
benefit
* For a business transaction you initiate
* With your consent and written instruction
* WHO MAKES THE DECISION TO GIVE CREDIT?
TransUnion does not make credit decisions, lenders do. Each lender has their
own formula for evaluating a credit application, and only the lender can tell
you why they made a decision.
TransUnion's role is limited to providing a lender with information from your
credit report, which the lender reviews (usually along with other
information, such as employment) when making a credit decision.
* WHAT DO LENDERS LOOK AT WHEN DECIDING WHETHER TO APPROVE A LOAN OR CREDIT
CARD?
Lenders want to see how you've managed your credit in the past. This helps
them determine if they should approve your request for credit, and if so,
what your terms will be.
* Your credit score is based on the information in your credit report, and
provides a snapshot of your credit health to lenders. This can help them
make a lending decision. Companies may have different criteria for
extending credit, so a score that may get you approved with one lender may
not be the same for another. Your credit score may not be the only thing
lenders look at when making a credit decision.
* Other information lenders may review in their loan evaluation process may
include information you provide on the credit application, like income,
employment or how long you've lived at your residence.
* HOW DO I BUILD A GOOD CREDIT HISTORY?
If you don't have a good credit history, it may be harder for you to get
credit. Learn more about how to establish a credit history.
* HOW CAN I REMOVE MY NAME FROM CREDIT OR INSURANCE PRE-SCREENING MAILING
LISTS?
If you want to remove your name and address from credit or insurance
pre-screening mailing lists received from the three nationwide consumer
reporting agencies (TransUnion, Equifax and Experian), learn how to opt out
of "pre-approved" offers.
* HOW CAN I STOP GETTING EMAIL OFFERS FROM TRANSUNION?
When you set up your user account on this website, you'll have the option to
opt out of marketing email offers from TransUnion and TransUnion Interactive,
Inc. You can unsubscribe at any time in either of the following ways:
* Click the "Unsubscribe" link included at the bottom of any marketing email
you receive from us.
* Log in to your user account at service.transunion.com, and then go to the
My Settings section from the My Profile link.
* WHAT'S A CREDIT SCORE AND HOW CAN I ORDER IT?
A credit score is a three-digit number calculated based on the information in
your credit report. It is one factor used by lenders to determine your
creditworthiness for a mortgage, loan or credit card. Your score can affect
whether you're approved for credit, as well as what interest rate you're
charged. The score you receive on this site is based on the VantageScore® 3.0
scoring model. There are many different credit scores, and the score you
receive on TransUnion's site may not be the score used by a particular
lender.
Your TransUnion credit score is not included with your credit report.
* You can order your TransUnion credit score on this website and get your
score online. You can then print or save it, or view it online for up to
30 days.
* You can also order your TransUnion score by contacting our Consumer
Relations team: contact us by phone or mail. The price for a TransUnion
credit score sent by mail is $9.95.
TransUnion also provides your credit score when you enroll in our paid online
credit monitoring subscription.
* HOW IS A CREDIT SCORE CALCULATED?
Your credit score is calculated using the information in your credit report.
For the VantageScore® 3.0 credit score you receive on this site, the factors
below generally contribute to a credit score in the following amounts:
* Payment history (contributes 40%) — This is one of the most important
aspects of your credit score, because it shows how you've managed your
accounts, including any late or missed payments.
* Age and type of credit (contributes 21%) — This includes the length of
your credit history and the types of credit accounts you have, such as
revolving (i.e., credit cards) or fixed term (i.e., mortgages, auto loans,
etc).
* Credit utilization (contributes 20%) — This indicates how much of your
available credit you're using. Generally, the lower the percentage, the
better.
* Balances (contributes 11%) — This is the total amount of all recently
reported balances on your accounts (current and delinquent).
* Recent credit (contributes 5%) — This includes the number of recently
opened credit accounts and credit inquiries that have been made to
potentially grant new credit.
* Available credit (contributes 3%) — This is the total amount of credit you
have available to you.
Remember, no one has just one credit score, because financial institutions
use a variety of scoring models. For example, for some scoring models, your
balances may have a larger impact on your score than your payment history.
* WHAT IS A VANTAGESCORE®? DO LENDERS USE VANTAGESCORE?
If you buy a credit score or enroll in a product that contains a credit score
on this website, the score provided to you is a VantageScore 3.0 credit
score.
What you need to know: There are various types of credit scores, and lenders
use a variety of different types of credit scores to make lending decisions.
The credit score we offer on this website is based on the VantageScore 3.0
model and may not be the same score used by lenders or other commercial users
for credit decisions. Only your lender can determine which credit score it
may use to determine your credit eligibility.
* WHY DON'T I HAVE A CREDIT SCORE?
There are many different credit scoring models, and the exact criteria for
each one may vary. But if the VantageScore® 3.0 scoring model can't generate
a score for you, it's often for one of these reasons:
Not enough credit information: To receive a VantageScore 3.0 score, you must
have at least one of the following types of information on your credit
report:
* Credit account
* Unpaid third-party collection account
* Public record (bankruptcy)
If you only have inquiries; medical accounts; or child, family or spousal
support accounts on your credit report, you will not receive a score.
References to a deceased person: If a remark on one of your accounts
references a person who is deceased, or if the Social Security number on your
credit report may match a Social Security number in the Social Security Death
Index (SSDI), then you may not be eligible for a credit score. If you have
mistakenly been reported as deceased on your TransUnion credit report, please
notify us you are not deceased by following our phone or mail dispute
process.
If a specific website or score provider is not able to generate a credit
score for you, please contact them directly to learn why.
* HOW CAN I IMPROVE MY CREDIT?
Time and consistent good habits are the keys to long-term credit health. Good
credit habits that can positively affect your credit score over time include
paying bills and loans on time and in full each month, if possible, and
maintaining a low credit utilization ratio. That means having access to
credit, but using a low amount of the available credit, which demonstrates
responsible borrowing to lenders. Reviewing your credit reports regularly to
ensure they're accurate and up to date is another good habit; this will also
help you notice any changes that may affect your score.
* WHY IS MY SCORE ON THIS SITE DIFFERENT FROM THE SCORE I RECEIVED FROM ANOTHER
SOURCE?
If the score you received from another source looks different from the one
you see here, this may be normal. We recommend you check the following:
* Score model: There are many scoring models, and they may weigh certain
information in your reports more heavily than other factors. For example,
one scoring model may put more emphasis on total credit usage than others.
Because there are varied scoring models, you'll likely have different
scores from different providers.
* Credit report: A credit score is calculated using information from a
particular credit report. Each of the nationwide credit reporting agencies
(TransUnion, Experian and Equifax) collects similar information, but
lenders can choose to report to one, two or all three agencies. Because of
this, the information in your reports can vary, which is one reason your
scores can differ too.
* Score date: Your credit score can change depending on the day it's
calculated, even if the same scoring model and credit report is used. This
is because scores can change as information in your credit reports is
updated. If a lender reports new information about you, such as new
inquiries, or a change in account status or balance that could affect your
score.
* WHY DID MY SCORE CHANGE?
Your credit score is calculated using information in your credit report, so
it's normal to see your score change as lenders provide updates to that
information. If your score changed, you can check two places to better
understand why:
* Score factors: The score you get on this website includes score factors.
Check the top positive and negative factors to understand what had the
most impact on your score.
* Credit report: Review your credit report to see if something changed that
may have affected your credit score. Examples of changes that could affect
your score include change(s) to your account statuses or balances, new
inquiries and other common reasons for score changes.
* HOW CAN I VIEW A SCORE I PURCHASED IN THE PAST?
On this website, you can see the credit report and credit score you most
recently requested for up to 30 days.
Any time you request a credit score on this site, you can choose to print or
save it to review. If you request a credit report or score on this site
again, we'll show your newest score, and your previous one will be replaced.
If you currently have a score available, you may want to print or save it
before you request another one.
* WHAT SHOULD I DO BEFORE I START?
Once you start your dispute, you can't save, stop or come back later. You
need to start and finish in the same session, so be sure to have everything
you need ready when you start your dispute.
If for some reason you can't finish your dispute in one visit, please print a
copy of your selections so it will be easier to start over when you return.
Check the FAQ answers below for information about disputes.
* WHAT TRANSUNION INFORMATION CAN I DISPUTE?
Personal information dispute options:
* On this website, you can remove previous name ("AKA"), previous address,
employer and telephone number information. You can also select a
"previous" address to be listed as your current address.
* Currently, you can't change the order of addresses on your credit report,
or add or edit employment information. However, you can make these changes
if you file your dispute request by phone or mail.
* You can't change your date of birth, SSN, current name, or add new contact
information on your TransUnion credit report through any of our online
dispute options. If you want to request changes to information that can't
be disputed online, please file your dispute request by phone or mail.
These changes may require you to submit documents.
Account and public record dispute options:
* Inaccurate or incomplete information associated with a credit account or
public record may be disputed through this site.
* If you have documents from a lender, court or other relevant source that
relate to an account dispute, you can include those documents in your
dispute request. Please make sure documents are JPEG/JPG, PDF or TIFF
format, and total file size is under 5 MB.
Inquiry dispute options:
When you see an inquiry on your credit report, it means that someone
requested to view it. Companies can only request your credit report for a
legitimate business reason (called permissible purpose). Examples of
permissible purpose include: credit transactions, employment consideration,
review or collection of an existing account or other legitimate business
need, insurance underwriting, government licensing, rental application or
court order. Inquiries stay on your credit report for two (2) years.
If you believe an inquiry was made without a permissible purpose, it's a good
idea to reach out to the company who requested your credit report to find out
more details. If they determine that someone fraudulently applied for credit
in your name, they can close that account and send us a letter requesting
removal of the inquiry.
If you have specific information that the inquiry was made fraudulently, you
can also call us at 800-680-7289.
You may want to place a fraud alert if you believe you are a victim of fraud.
To limit access to your credit report in the future, we also recommend
freezing your credit report.
Disputing other information:
Additional Information, Third Party Supplemental Information and Consumer
Contributed Financial Information cannot be disputed online. If you believe
any information in these areas of your TransUnion credit report is
inaccurate, please file your dispute by phone or mail.
Please note that you may or may not have Additional Information and Third
Party Supplemental Information in your credit report. By way of example, your
credit report may include one or more of the following information types:
Special Messages, Possible Office of Foreign Assets Control (OFAC) Match,
Inquiry Analysis, Military Lending Act (MLA) Match, Income Verification,
Driver’s License Information, Checking Account and Demand Deposit Account
(DDA) Activity, Supplemental Consumer Credit Information, Supplemental Public
Records and Residential Information, Club & Subscription Activity
* IS A DISPUTE THE RIGHT OPTION FOR THE CHANGE I WANT?
It's your right to dispute information you believe to be inaccurate; however,
these tips can help you determine if a dispute is needed:
* Recent payments may not appear immediately: Most lenders report data to
the credit reporting agencies every 30 days. If you recently made a
payment or other change to an account, there may be a delay before your
lender reports the latest information. Always check the "last reported"
date on any TransUnion credit report you receive. If the change you want
to see on your file happened after your lender last reported data, it's
possible that the requested change will be included on your lender's next
scheduled update to the credit reporting agencies. On the other hand, if
the change happened before the lender's latest update, and you are still
seeing inaccuracies in the data they reported, you can dispute the
information either with the lender directly, or through the credit
reporting agencies.
* Detailed payment history is not provided by some account providers: If
your accounts show an empty payment status (no positive or negative
payment info) for payments in the past, it's possible that your lender
simply chooses not to report detailed information to the credit reporting
agencies or the account is in collections and does not report payment
history. In this case you may want to contact the lender directly to share
your feedback, rather than filing a dispute to request information they
choose not to provide.
* Shared accounts should display on all account holders' reports: Typically
if you are a joint account holder or authorized user of the account
listed, the account and related payment history should show up on your
credit report. This includes details of any late or missed payments. If
you believe you are not responsible for the account, you can file a
dispute either with the lender directly or with us through this website.
* HOW DOES CONTACTING MY LENDERS HELP ME?
You may file a dispute without contacting your lender first, but keep in
mind, TransUnion may contact the lender in the process of investigating your
dispute.
* WHAT "REASON" INFORMATION DO I NEED TO PROVIDE?
For account and public record disputes, we require you to provide a reason
for the change you wish to make. You can typically select up to two reasons,
but for certain disputes, only one reason can be selected. You also have the
option to add a comment with additional information that may be relevant to
your dispute. For example, if you believe that the account or public record
belongs to someone with a similar name, you should select the dispute reason
‘This is not my account/public record’ and then add the name of the person
that the information belongs to.
* DO I NEED SUPPORTING DOCUMENTS?
If you're disputing account information, it may be helpful to provide
supporting documents.
* Documents should always be from a relevant source (such as a court or a
lender), and should include specific details that support the change you
are requesting.
* For example, documents from your lender such as statements that show an
account has been paid off and closed, or copies of court documents may be
helpful in resolving your dispute. If you want to include supporting
documents with your dispute, first select the account you want to update,
then check the box indicating you want to upload documents. When you click
to the next step, you'll see options to add your document(s).
* WHAT HAPPENS IN A DISPUTE?
Once you submit a dispute, we review it carefully and take one or more of the
following action(s):
1. Update your credit report based on the information your provided; OR
2. Determine that the information you disputed has already been updated; OR
3. Determine that you already disputed the item and the lender already
verified the information is correct; OR
4. Ask the lender reporting the information to:
* Review relevant information we sent them and determine whether the
information listed on your credit report is accurate
* Provide us with a response to your dispute
* Update their records and systems, if needed
Investigations are usually completed within 30 days of the date we receive
your request.
When your dispute investigation is complete, you will receive an email
notifying you that your results are available. You can view or update the
email address associated with your user account on this website.
* HOW DO I GET INFORMATION THAT WAS PREVIOUSLY REMOVED ADDED BACK ONTO MY
TRANSUNION CREDIT REPORT?
If personal information or an account were previously removed from your
TransUnion credit report, but you later determine that information should
show up on your credit report again, follow the instructions below.
Personal Information:
* To re-add a phone number or employer, contact us to add personal
information.
* To re-add other personal information such as a name or address, mail
current documents that show the information you want to add. Learn how to
update your SSN, birthdate, name & address.
Account:
To re-add an account, ask the lender or company that manages the account to
contact TransUnion to see if the account is eligible to be re-reported or
reinserted to your credit report.
To manage a consumer statement on your credit report, please use our online
dispute process.
* HOW CAN I DISPUTE EQUIFAX OR EXPERIAN DATA?
The dispute feature on this site lets you dispute items on your TransUnion
credit report only. To dispute an item on your Equifax or Experian reports,
contact those credit reporting agencies directly using the information below.
* Equifax:
You can dispute online with Equifax, or send your dispute by mail:
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
* Experian:
You can dispute online with Experian, or send your dispute by mail:
P.O. Box 4500
Allen, TX 75013
* QUICK START: DISPUTE PROCESS BASICS
Online disputes for TransUnion follow a simple process.
1. Review information: Review the TransUnion credit information on this site
to choose what information you want to dispute first. You can only select
one at a time, but you will be able to dispute multiple pieces of
information after you have added the first selection to your dispute.
2. Decide if you will include supporting documents. If you are disputing
account information, you can add relevant supporting documents to your
dispute on this site. A document may be relevant if it comes from a
source that has authority over the account you are disputing and includes
details that directly relate to the information you are disputing.
3. Select updates and reasons: If you select an account or public record,
you will see an additional step to provide reasons why you believe the
information shown is inaccurate. You may also have the option to add
additional comments to include with your dispute.
4. View summary and add more items or submit your dispute: The last step
will show a summary of the information you selected. You can edit or
delete each item if needed. At this point your dispute isn't yet
submitted, so you can print the summary for your personal records or add
additional items (for example, other accounts) to your dispute. Once all
of your disputed items are added, double check your selections and click
the button at the bottom of the page to submit your dispute. Once you
submit your dispute, you won't be able to make any further changes to
your dispute selections through this site.
* CAN I SAVE MY SELECTIONS OR DOCUMENT ATTACHMENTS, AND COME BACK LATER?
We don't currently support an option to save your dispute and come back
later. If you leave your screen open with no activity for several minutes,
the system will automatically log you out as a security measure. If you start
your dispute request but can't finish it in a single session, first go to the
Review page and print off your selections so you'll be able to add them
easily later.
Not sure how to go to the Review page? If you're looking at your credit
report information, look for a piece of information you selected to dispute
and click the "View" link on the right. This will take you to your Review
page.
* CAN I DISPUTE MORE THAN ONE ITEM AT ONCE?
Yes, you can add multiple items to your dispute request. Before you submit
your dispute, you'll see a Review page. On this page you can add another
account or public record, or request a change to your personal information.
You can add more items as many times as you need to before you submit your
dispute.
Keep in mind that if you have a lot of items in your dispute request, it may
take us longer to resolve all of them. Investigations are usually completed
within 30 days from the date we receive your dispute.
* IS THERE A MOBILE APP FOR DISPUTE?
Not at this time. However, you can still access the dispute website using
your mobile device.
* WHY CAN'T I DISPUTE MY SSN, DATE OF BIRTH OR CURRENT NAME/ADDRESS?
On this website, you can remove previous name ("AKA"), previous address,
employer and telephone number information. You can also select a "previous"
address to be listed as your current address.
If you need to change the order of addresses on your credit report, add new
personal information, or edit employment information, you will need to mail
current documents that show your updated information. Learn how to add or
modify personal information. Separately you may need to update your user
profile on this website.
* HOW TO: CHANGE DISPUTE SELECTIONS BEFORE SUBMITTING
After you add an item to your dispute, you will see a Review page. Each item
on this page shows an X icon you can use to delete selections, and a page
icon you can use to edit selections.
* HOW TO: PRINT A DISPUTE SUMMARY
Before submitting the dispute, we recommend you print a summary of the
selections you are planning to submit for investigation. After you select
items to dispute, on the Dispute Review page, you can print the page using
your browser's print function (or Control + P or Command + P).
* WHAT IS A CONSUMER STATEMENT? HOW DO I ADD ONE TO MY CREDIT REPORT?
Every person has a unique financial story, and a consumer statement is an
opportunity to tell yours. You can add this kind of statement to your credit
report to explain your financial situation to anyone who views your credit
report.
We provide several pre-worded options that you can choose from like, "I am
unable to make timely payments due to the impact on my job/wages as a result
of the COVID-19 pandemic," or you can write your own statement, in your own
words. If you decide to add any personal or medical information, anyone who
views your credit report will be able to see it.
A consumer statement is your opportunity to be heard. If you think it's the
right option for you, simply follow these instructions:
1. Go to the Dispute page in the TransUnion Service Center
2. Scroll down to the Manage Your Consumer Statement area and click the
Manage My Statement button.
3. If you have an existing consumer statement, you can add text to it or
delete it. If you want to rewrite your existing statement, delete your
statement first and then add a new statement.
4. We provide several pre-written consumer statement options you can choose
from, or you can also write a statement in your own words in 100 words or
less (200 or less in Maine).
5. If you're adding new statement text, you'll be able to review your
statement updates before you submit them.
6. We will process your request immediately and your credit report will show
your changes to your consumer statement information within minutes.
If you are not able to manage your consumer statement online, you can dispute
by phone or mail to update your statement.
* HOW TO: CHOOSE AND ATTACH DOCUMENTS
You can include supporting documents when you dispute an account.
* You only have an hour to attach all your documents. For security reasons,
you have a limited amount of time to submit your dispute once you've
uploaded any documents. It's a good idea to assemble all your dispute
details beforehand, including your documents, so that you can submit your
dispute and documents easily.
* Documents should always be from a relevant source (such as a court or a
lender), and should include specific details that support the change you
are requesting. Examples that may be helpful in resolving your dispute
include documents from your lender, such as statements that show an
account has been paid off and closed, or copies of court documents.
* Documents should be JPG, JPEG, PDF, or TIFF file types and should have
only letters and numbers in the file name. You can upload up to five (5)
documents. All files should be no more than 5 MB in total size (see FAQ
below for troubleshooting help).
Currently, we don't support online document uploads for updates to personal
information such as SSN, date of birth, name and address. If you need to
provide supporting documentation for a dispute of that type, please file your
dispute request by phone or mail.
* WHAT IF I REACHED THE DOCUMENT MAXIMUM BUT HAVEN'T UPLOADED ALL MY DOCUMENTS?
You can upload a maximum of 5 documents with your dispute. Choose the
documents that are most relevant to your dispute and are from an
authoritative source (such as a lender or court). If any documents aren't
from a relevant source or don't specifically support the change you're
requesting, you might consider removing them.
You can also check the troubleshooting tips below for recommendations on how
to reduce file size.
* HOW TO: TROUBLESHOOT DOCUMENT-UPLOAD ISSUES
If you're encountering problems with a document you're trying to upload,
please check that:
* the file type is JPG, JPEG, PDF or TIFF
* the total size of all the files you expect to attach for all your dispute
selections today does not exceed 5 MB
* the file names for your documents are fairly short, and use only letters
and numbers, no special characters
If you're still experiencing problems uploading a document, you may want to
visit the Review page to print your dispute selections so far, and then try
the following tips to make sure your files are ready to upload:
* Check the file type: Our system can't accept Word documents or PNG images,
but it can accept documents and images in PDF, JPG or JPEG or TIFF
formats.
* Use a desktop computer instead of a mobile device: Some phones and tablets
may save documents in an unusual format. You can check your device's
camera and image settings to see if it's using a file format that doesn't
match the supported file types above, or try uploading your documents from
a desktop computer instead.
* Try reducing file size: We only can accept up to five (5) files, with a
maximum total file size of 5 MB, no matter how many accounts you're
disputing at one time. If you've reached the maximum, you can try removing
some pages to save space. For large, high-resolution images, you might
want to save them at a lower resolution, as long as they're still
readable.
* Determine if the document is necessary: Documents may lengthen your
dispute processing time, so it's a good idea to think carefully before
adding them. If you have one document from an official source that
supports your request, you may not need more.
If you're still experiencing problems, you may want to switch to a different
browser or device, or work with a technical support person you trust before
you try uploading again.
* HOW SOON WILL I RECEIVE RESULTS?
Investigations may take up to 30 days after we receive your request. We'll
notify you once your results are ready.
When your dispute is completed, you will either receive an email notifying
you that your results are available online on this site, or in some cases we
will send printed results by mail. In the meantime, you can view or update
the email address associated with your user account on this website.
* IT'S BEEN 30 DAYS. WHY DIDN'T I GET AN EMAIL ABOUT MY RESULTS?
Some disputes submitted on this site require additional processing. Those
dispute results will be mailed to your address instead of being emailed. If
you saw a message about this when you submitted your dispute, then be on the
lookout for your printed results in the mail.
* WHY IS MY DISPUTE "PREVIOUSLY VERIFIED"?
If you got a message saying that part of your dispute was previously verified
as correct, it means we already investigated the item(s) you are disputing,
and the company who provided the information to TransUnion told us the
information on your credit report was correct.
Unless you have additional relevant information that supports the change you
are requesting, we're not required under federal law to reinvestigate the
same item(s) again at this time.
If you don't agree with the results of your previous dispute investigation,
here is what you can do:
1. Contact the lender directly: You can contact the lender who reported the
information to TransUnion, and request they make these updates. If they
report the updated information to TransUnion, we will automatically
update your credit report information to match.
2. Provide new supporting documents: If you have new information supporting
your dispute request, you may submit a new dispute with the new
supporting documents and we'll reinvestigate. Documents should be from a
relevant source (such as a court or a lender) and include specific
details supporting your request, such as payment or account status. A
good supporting document might be a letter from a lender or courthouse, a
letter from the IRS, a billing statement, a cancelled check or money
order showing payment, or similar documents.
3. Add a consumer statement: You can add a consumer statement online (log in
to this site's online dispute page, then scroll down to the Manage Your
Consumer Statement are), or you may contact our Consumer Relations team.
You can reach our Consumer Relations team at (800) 916-8800, Monday
through Friday, 8:00 AM — 11:00 PM EST, or at P.O. Box 2000, Chester, PA
19016-2000. Please note: If you share private information such as medical
information in a consumer statement, you expressly consent to allow
TransUnion to include this information in every credit report we issue
about you.
* CAN I REQUEST FASTER PROCESSING?
There are no accelerated processing options available for a dispute. All
consumer dispute requests are completed within 30 days.
* WHAT HAPPENS IF THE LENDER WHO SERVICES THE ACCOUNT I'M DISPUTING DOESN'T
RESPOND WITHIN THE REQUIRED TIME?
If the lender doesn't respond within 30 days, TransUnion will delete the
disputed information from your credit report.
* I FORGOT AN ITEM. HOW DO I ADD IT AFTER I SUBMITTED MY DISPUTE?
You can only have one dispute open at a time through the online system. You
can submit a new dispute request online after the investigation of your
current dispute (and all of the items requested within it) is fully complete.
If you don't want to wait until the end of the pending dispute, contact our
Consumer Relations team at (800) 916-8800, Monday through Friday, 8:00 AM —
11:00 PM EST.
* CAN I CANCEL ALL OR PART OF MY DISPUTE?
Once you submit a dispute online, you can't make any changes to it online.
If you need to cancel your dispute entirely, remove specific items, or change
the reason selections or comments associated with your dispute, changes are
possible only by contacting our Consumer Relations team at (800) 916-8800,
Monday through Friday, 8:00 AM - 11:00 PM EST.
Please note: If you started a dispute more than 15 days ago and it isn't yet
complete, you will have to wait until TransUnion receives a response from the
lender who originally reported the data you are disputing. If your dispute
has already been completed, there is no way to cancel it.
* CAN I CHANGE MY DISPUTE SELECTIONS AFTER I SUBMITTED MY DISPUTE?
See "Can I cancel all or part of my dispute?" above.
* I FORGOT TO ATTACH DOCUMENTS BEFORE I SUBMITTED MY DISPUTE. CAN I UPLOAD THEM
NOW?
Once you submit a dispute online, you cannot make any changes or upload any
additional documents. If you still want to include supporting documents with
your dispute, you'll have to mail them. If you choose to mail us documents,
be sure to include detailed information that will help us identify your
credit file and locate the dispute your documents belong with. Please see the
other sections of this FAQ for information on acceptable supporting
documents, and mail them to TransUnion Consumer Relations: Send dispute
documents by mail.
Keep in mind our online system can support a maximum of 5 total documents for
one dispute request, no matter how many accounts you are disputing in that
single dispute request.
* CAN I DISPUTE THE SAME INFORMATION VIA MULTIPLE TRANSUNION DISPUTE SERVICES?
Our online dispute system supports only one open dispute investigation
request at a time, so initiating multiple disputes at the same time isn't
possible. If you already have a dispute open with TransUnion by phone, mail
or another website, then you won't be able to initiate a second one through
this site until the previous dispute is complete.
Please note that all disputes follow the same process to resolve, so there is
no benefit to attempting to contact TransUnion separately to file the same
dispute request.
* HOW DO I SEE MY DISPUTE RESULTS?
After your dispute investigation is complete, you will get an email to log in
and view your results online. Visit the Dispute Center, locate the dispute
you want to see, and click the link that says "View Dispute Results."
On the dispute results page, you will find:
1. How to Read Your Results, and Definitions: provide information to help
you understand any special wording used to describe the information you
disputed, or the outcome of your dispute.
2. Investigation Results Details: gives specific results of each change
requested in your dispute investigation request. This section includes
the most current information for the data you disputed, as that
information would show up on your TransUnion credit report.
3. Credit Report: shows most of your TransUnion credit report information as
of the date and time when your dispute request was completed.
4. Summary of Rights: important details about your rights under the Fair
Credit Reporting Act and applicable state laws that relate to the dispute
process.
Important note: If an item you disputed isn't listed, it's possible the item
was not present on your credit report or it that update was already made as a
result of other processes we use to keep your data accurate. You can use the
Credit Report tab in your results to see your credit information as it
appeared at the time when we completed your dispute investigation.
* A DISPUTE I REQUESTED ISN'T IN THE DISPUTE HISTORY. WHY?
If you are looking for a specific dispute result and it isn't showing up in
your Dispute Center dispute history on this site, it's possible that your
dispute is too old, the dispute may require additional processing or you may
have submitted your dispute request outside of this website.
* On this site you can see most online disputes up to 90 days old, including
disputes you requested through this website or through TransUnion Credit
Monitoring.
* This site does not yet show results for some disputes that you requested
by phone, by mail or through some websites. If you submitted a TransUnion
credit report dispute request on this website and saw a message confirming
your dispute is in process, you may see your dispute status online
immediately, or after several hours.
* DEFINITIONS OF TERMS IN THE INVESTIGATION RESULTS
Here are a few definitions to help you understand the different types of
information contained in your investigation results:
* Balance: The balance owed as of the date the account was verified or
reported
* Credit Limit: The maximum amount of credit approved by the lender on the
account
* Date Opened: The date the account was opened
* High Balance: The highest amount ever owed on an account
* Last Payment Made: The date the lender received the last payment on the
account
* Maximum Delinquency: If applicable, the maximum amount past due before an
account becomes a charge-off or a collection account
* Original Charge-off: If applicable, the amount charged off due to
non-payment of the account
* Past Due: The amount past due as of the date the account was verified or
reported
* Pay Status: The current status of the account; how you are currently
paying
* Remarks: If applicable, the lender may provide additional information here
related to the account
* Responsibility: The type of contractual ownership (individual, joint,
authorized user, etc.) of the account
* Terms: The monthly payment amount or monthly minimum payment due on the
account
* HOW CAN I TELL WHICH ITEMS RESULTED IN A CHANGE IN MY FAVOR?
Check the Investigation Results Summary, located on the dispute results page.
This section will give you a brief overview of the results received from each
lender, as well as any changes made to each item. For updates to name,
address, phone number and employer information on your report, you can also
check the Credit Report tab to see a more complete picture of your results.
* WHY IS THE TRANSUNION CREDIT REPORT I RECEIVED ON ANOTHER SITE DIFFERENT FROM
THE CREDIT REPORT INFORMATION IN MY RESULTS?
Differences between a credit report received through a credit-monitoring
product and the credit report data you see in your dispute investigation
results are normal, and usually happen for one of these reasons:
1. Your results are a "snapshot in time": Your credit report information can
change from day to day. Refer to the credit report with the most recent
date at the top; it will show the most current account and public record
related information.
2. The investigation results may have extra information: The TransUnion
credit report shown in many credit-monitoring products reflects most of
the key information on your credit report that a lender would see when
reviewing your credit report. Additional information may be shown in your
investigation results because it has more complete information as
required by law. That includes some information not seen by lenders such
as additional previous names, address, employer information, phone
numbers and soft inquiries.
* WHY WAS INFORMATION REINSTATED ON MY CREDIT REPORT?
The Fair Credit Reporting Act (FCRA) allows the reinstatement of accurate
data. If TransUnion does reinstate an item in your credit report, we are
required by law to notify you in writing and send you a copy of your
TransUnion credit report once the item has been reinstated.
* WHAT IF I DISAGREE WITH THE RESULTS OF AN INVESTIGATION? CAN I DISPUTE
SOMETHING MORE THAN ONCE?
We hope that doesn't happen. Here are your options if it does:
* Add a consumer statement to your credit report (100 words or less),
detailing why you think the information is incorrect Visit the Dispute
Center to start the dispute process, then on the page that shows your
credit report information, scroll down to the "Consumer Statement" section
to add your statement. Anyone who views your report will see this
statement.
* Contact the lender that is reporting the inaccurate information directly
and dispute with them.
* File a repeat dispute with additional supporting documents (for example, a
letter from the lender or courthouse, billing statement, letter from the
IRS, cancelled check or money order showing payment etc.)
* File a complaint about the company reporting the account or about
TransUnion. You may file a complaint with the Consumer Financial
Protection Bureau or with your state's Attorney General's office.
* CAN I SEE THE CORRESPONDENCE MY LENDER SENT TO YOU ABOUT MY ACCOUNT?
No, but in your Investigation Results, on the "Credit Report" tab, we provide
you with the lender's name, address and telephone number to enable you to
request written verification or documents directly from them.
* I STILL HAVE GENERAL QUESTIONS ABOUT DISPUTES. WHERE SHOULD I GO?
Please check out our main dispute FAQ page for more information about
disputes.
* FRAUD ALERT BASICS
WHAT IS A FRAUD ALERT?
If you're a victim of identity theft, or you're concerned you may be a victim
of identity theft, you can add a fraud alert to your credit report. A fraud
alert is a note that goes on your credit report that tells lenders to take
extra steps to verify your identity before extending credit.
ARE FRAUD ALERTS FREE?
Absolutely. There's no fee to add or remove a fraud alert.
WHAT TYPES OF FRAUD ALERTS CAN I ADD?
* Initial fraud alert (1 year) - An alert for anyone who is concerned about
becoming a victim of fraud or ID theft. You can add an initial fraud alert
online.
* Extended fraud alert (7 years) - A long-term alert for victims of fraud,
which requires you to submit an identity theft report by mail. Request an
extended fraud alert by mail.
* Active duty fraud alert (1 year) - For military personnel only. Notifies
lenders to take extra steps to verify your identity while you serve. You
can add an active duty fraud alert online.
WILL A FRAUD ALERT IMPACT MY CREDIT SCORE?
No. Fraud alerts don't affect your credit score.
WHAT HAPPENS IF I APPLY FOR CREDIT WHEN I HAVE A FRAUD ALERT?
Lenders will see the fraud alert when they pull your credit report. This will
notify them to take extra steps to verify your identity before extending
credit. It will also give them a phone number to contact you.
WHAT IS THE DIFFERENCE BETWEEN A FRAUD ALERT AND CREDIT FREEZE?
A fraud alert notifies lenders to call you to verify your identity before
extending new credit, but it doesn't limit access to your credit report. A
credit freeze limits access to your credit report if anyone tries to open a
new account.
To learn more about fraud alerts, visit our main fraud alert FAQ.
* HOW DO I PLACE A FRAUD ALERT ON MY CREDIT REPORT?
It's easiest to place an initial or active duty fraud alert on your credit
report online. You will need to create an account or log in to place your
fraud alert. You will need to create an account or log in to get started. If
you've added a credit freeze or disputed something with us online in the
past, you should already have an account.
To place an extended fraud alert you will need to mail us a copy of your
identity theft report and the extended fraud alert form.
If you prefer not to add your fraud alert online, you can add it by phone by
calling 800-680-7289 or you can mail a written request that includes your
name, address and Social Security number to:
TransUnion Fraud Victim Assistance
PO Box 2000
Chester, PA 19016
* DOES A FRAUD ALERT GO INTO EFFECT RIGHT AWAY?
In most cases, your fraud alert will show up on your credit report right
away. An extended fraud alert will take a few days to show up on your report
since we'll need to process the documents you mail us.
* DO I NEED TO PLACE A FRAUD ALERT WITH EACH CREDIT REPORTING AGENCY?
No. Once you place a fraud alert with TransUnion, we'll let Equifax and
Experian know so they can also place fraud alerts on the credit reports you
have with them.
* IF I ADD A FRAUD ALERT BY PHONE OR MAIL, WILL IT SHOW UP ON THIS SITE?
Yes, you'll be able to see your fraud alert status once you log in. If you
mailed us your fraud alert request, please allow a few days for us to process
it.
* CAN I PLACE A FRAUD ALERT FOR SOMEONE ELSE?
Please visit our main fraud alert FAQ for details on how you can request a
fraud alert for another person.
* CAN A COMPANY I ALREADY HAVE A RELATIONSHIP WITH VIEW MY CREDIT REPORT IF I
HAVE A FRAUD ALERT?
Yes. Companies you already have a relationship with will be able to view your
credit report and/or make changes if they need to.
* WHY DOES THE SITE SAY MY FRAUD ALERT REQUEST IS "IN PROCESS?"
Some fraud alert requests need extra processing time. If you get a message on
this site that says your request is in process, come back later to check the
status of your fraud alert.
* CAN I GET A FREE COPY OF MY CREDIT REPORT AFTER ADDING A FRAUD ALERT?
If you added an initial or extended fraud alert, you're entitled to one or
more free credit reports. Please log in to your account to get your free
credit report.
* I PLACED A FRAUD ALERT BUT DON'T SEE IT ON MY CREDIT REPORT. WHY?
In some cases it may take up to a day to add a fraud alert on your credit
report due to processing time. Please check your credit report again in a few
days. If you sent your request by mail, it will take a few days to show up on
your report since we will need to process the documents you mailed.
* HOW DO I CHANGE THE PHONE NUMBER I PROVIDED WITH MY FRAUD ALERT?
You can easily edit your fraud alert contact details online.
* WHAT IS A FRAUD ALERT RENEWAL?
Renewing a fraud alert extends the expiration date of a fraud alert you
already have on your credit report. Your renewed fraud alert expiration date
will be one (1) year from the date you requested renewal, not one (1) year
from your original expiration date. You can renew your TransUnion fraud alert
on this site. If you want to renew a fraud alert with Equifax or Experian,
contact them directly.
* HOW SOON CAN I RENEW THE FRAUD ALERT ON MY CREDIT REPORT?
You don't have to wait for your fraud alert to expire before you renew it.
Once you add a fraud alert, you can renew your fraud alert online as soon as
the next calendar month. That means if you added a fraud alert in September
this year, you can renew anytime on or after October 1st this year.
* DO I NEED TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT TO APPLY FOR CREDIT?
No. Lenders will still be able to view your credit report, but they'll be
notified to take extra precautions to verify it's really you applying for
credit.
* HOW DO I REMOVE MY FRAUD ALERT?
You can easily remove your fraud alert on this site in just a few minutes. If
you prefer to remove your fraud alert by phone or mail, please see contact
options under our main fraud alert FAQ.
* I JUST REMOVED MY FRAUD ALERT. WHY DOES IT SAY MY REQUEST IS "IN PROCESS?"
Some fraud alert requests need extra processing time. If you get a message on
this site that says your request is in process, come back later to check the
status of your fraud alert.
* IF I REMOVE A FRAUD ALERT WITH TRANSUNION, DO I NEED TO DO THE SAME WITH THE
OTHER CREDIT REPORTING AGENCIES?
Yes. Although we notify the other credit reporting agencies when you add a
fraud alert, we don't notify them if you choose to delete your fraud alert.
To remove your fraud alerts with Equifax and Experian, contact them directly.
* WHAT ARE CALIFORNIA CONSUMER PRIVACY ACT (CCPA) REQUESTS?
Users over 18 who live in California can use this website to submit requests
related to the California Consumer Privacy Act (CCPA).
Visit the TransUnion consumer data privacy page for more information,
including options for users under 18.
To access CCPA options on this site, please log in and navigate to the Data
Privacy tab. Users who do not yet have a user account on this site can review
our FAQ below for options on making a CCPA request without a user account.
* HOW DO I MAKE A CCPA REQUEST?
If you already have a user account on this site and you want to submit a data
privacy request online for deletion or disclosure of your data, you'll need
to log in here. You can also submit opt-out requests through your user
account, print off results of recent CCPA requests, and check the status of
any CCPA requests that you submitted from your user account.
Depending on the type of request you want to make, you may not need to log
in:
* If you want to opt out of the sale of your personal information with
TransUnion and you prefer not to set up or log into a user account, you
can use our easy opt-out form to submit your request.
* If you don't already have a user account on this site, you can submit
requests for deletion or disclosure of your data using our guest user
option. However, you'll only be able receive your results by mail, and you
won't be able to see options to freeze or dispute something on your
TransUnion credit report in the same transaction.
If you choose to make your CCPA request without a user account and you
experience a problem, please contact our support team to raise your request
by phone.
* WHAT IS THE CALIFORNIA CONSUMER PRIVACY ACT?
The California Consumer Privacy Act (CCPA) gives California consumers the
right to access and have control over some of the personal information
businesses collect.
For more information on the CCPA: California Consumer Privacy Act of 2018
* WHAT IS MY DATA IDENTITY?
Your data identity is your unique data profile based on a variety of online
and offline information. Think of it as your digital DNA, granting you access
to opportunities and offers you deserve.
* IS THERE A DOWNSIDE TO OPTING OUT?
If you opt out of the sale of your personal information with TransUnion, the
companies we partner with may no longer be able to offer you the personalized
experience you've come to expect. We want you to have the opportunities you
deserve.
* WHAT TYPES OF INFORMATION CAN I DELETE?
You can only delete information that you've provided to TransUnion directly.
Data collected under the Fair Credit Reporting Act (FCRA) for the purposes of
credit reporting can't be deleted. Other exceptions include information
governed by the Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection
Act (DPPA) and Health Insurance Portability and Accountability Act (HIPAA).
For example, information on your TransUnion credit report can't be deleted
through a CCPA data privacy request. We also can't delete information
provided to us by someone other than you, like a lender, utility company or
healthcare provider. Further, we may not delete some information important to
verify your identity and protect against fraudulent activity.
* IF I LIVE IN A STATE OTHER THAN CALIFORNIA, CAN I REQUEST TRANSUNION DELETE
MY PERSONAL INFORMATION?
This option is not available for non-California residents at this time. If
you would like to learn more about the California Consumer Privacy Act (CCPA)
please visit our website.
* HOW LONG WILL IT TAKE FOR ME TO RECEIVE THE RESULTS OF MY DATA PRIVACY
REQUEST?
Opt-out requests take up to 15 days to process. Data privacy disclosure and
deletion requests typically take up to 45 days, but may take as long as 90
days. If we expect the request to take longer than 45 days, we'll let you
know.
* HOW WILL I RECEIVE MY CCPA DATA PRIVACY RESULTS?
Depending on how you submit your request, you may receive your results online
or by mail. Results won't be emailed. If you request to receive your results
online, you'll need to access this site to view them. You'll see an option to
receive your results online or by mail when you submit your request.
* WHAT ARE MY DATA PRIVACY OPTIONS IF I LIVE IN CALIFORNIA BUT AM UNDER 18
YEARS OLD?
If you're under 18 years old and live in California, you still have all the
rights mentioned on this site. However, a parent or guardian must make your
data privacy request in writing and send it to us by mail.
If you are a parent or guardian of a minor and would like to receive a
disclosure, delete information or opt out of the sale of personal information
on behalf of your child, here's what you'll need to provide:
1. A written request stating the data privacy request you would like to make
2. AND one piece of documentation that provides ‘sufficient proof of
authority' that you have authority to act on behalf of the minor or
dependent, such as:
* an order issued by a court of law
* a lawfully executed and valid power of attorney
* a document issued by a Federal, State or local government agency in the
United States showing proof of parentage, including a birth certificate
* with respect to a minor who has been placed in a foster care setting, a
written communication from a county welfare department or its agent or
designee or a county probation department or its agent or designee,
certifying that the protected consumer is in a foster care setting
under its jurisdiction.
3. AND information or documentation that provides ‘sufficient proof of
identification' to verify your identity and the identity of the
minor/dependent, such as:
* a Social Security number or a copy of a social security card issued by
the Social Security Administration
* a certified or official copy of a birth certificate issued by the
entity authorized to issue the birth certificate
* a copy of a driver's license, an identification card issued by the
motor vehicle administration or any other government issued
identification
Please send your letter and documentation to the following address:
TransUnion Data Privacy Request
P.O. Box 130
Woodlyn, PA 19094
* IF I DELETE MY PERSONAL INFORMATION WITH TRANSUNION, DOES THAT MEAN MY ENTIRE
CREDIT REPORT IS DELETED?
No. You won't be able to delete your credit report with TransUnion. You can
only dispute credit report information if you believe it to be inaccurate.
Visit transunion.com/dispute for more information.
* WHAT INFORMATION ISN'T COVERED BY THE CCPA?
Certain information is not covered by the CCPA. For example, data collected
under the Fair Credit Reporting Act (FCRA) for the purposes of credit
reporting can't be deleted. Other exceptions include information governed by
the Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection Act (DPPA) and
Health Insurance Portability and Accountability Act (HIPAA).
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