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 by phone or by 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.

No. Checking your own credit report is considered a soft inquiry, and those don't affect your score.

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.

To learn more about your options, please go to transunion.com.

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, please go to the main TransUnion.com Disclosure Page and select the option that applies to you.

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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.

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.

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.

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.

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.

If you forgot your secret answer, please contact our Website Access Support team so that we can help you reset your password by phone.

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.

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.

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.

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.

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.

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.

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.

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.

No, a credit freeze doesn't affect your credit score. Your credit score is calculated independently using a number of other factors.

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.

If you want to apply for credit, you must lift or remove your freeze ahead of time here. To read more information on lifts or removals please visit our main Freeze FAQ.

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.

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 establishing 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.

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.

You can 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. To make things easier for you, we provide several pre-worded 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 impact or other financial considerations related to your credit report.
• You can add your consumer statement using the online dispute process. If you already have a dispute in process, you can dispute by phone or mail so that we can modify your consumer statement.

If you include any personal or medical information in your consumer statement, you are allowing TransUnion to include that in any credit report we issue on your behalf.

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. Visit the Dispute Center to get started.

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.

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

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.

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.

If you don't have a good credit history, it may be harder for you to get credit. Click here for helpful tips on how to establish a credit history.

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), visit this page for more information.

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.

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.

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.

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 follow the dispute process to notify us.

If a specific website or score provider is not able to generate a credit score for you, please contact them directly to learn why.

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.

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.

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 or new inquiries. Learn more about common reasons your score may change.

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.

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 via our alternate dispute site.
• 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.

Please visit our website for help 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 and Third Party Supplemental Information cannot be disputed online. If you believe any of the Additional Information on 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

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.

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.

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.

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).

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. Visit the Profile page to view or update the email address associated with your user account on this website.

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 re-add other personal information such as a name or address, mail current documents that show the information you want to add. Get more detailed instructions here.

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.

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

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.

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 or consumer statement. 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.

Not at this time. However, you can still access the dispute website using your mobile device.

For security reasons, some personal information disputes require supporting documents that must be sent to TransUnion directly.

To update your current personal information please see this page on the main TransUnion website for information on acceptable supporting documents for disputes of current personal information, and for details on how to contact TransUnion Consumer Relations by phone or mail to file a dispute of this type.

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.

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).

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.

To make things easier when adding your consumer statement, 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 our online dispute center
2. Click "START DISPUTE"
3. An information box will appear, read it over and click "AGREE & GET STARTED"
4. You will see your credit data appear, scroll to the section that says "Consumer Statement"
   • Click "Add Statement"
   • Select one of the consumer statement options provided or write your own statement in 100 words or less (200 or less in Maine)
   • Add an expiration date for your statement (optional)
   • Click "SAVE & CONTINUE"

If you later decide you want to add to or delete your consumer statement, come back to the online dispute center. If you already have a dispute in process, you can contact us by phone or mail to add or change your consumer statement.

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.

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.

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.

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 may add a statement of 100 words or less to your TransUnion credit report explaining details of why you disagree with your dispute results. Anyone who views your credit report will be able to see this statement. You can add a consumer statement online by starting a new dispute, or you may contact our Consumer Relations team by phone or mail.
   
   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.

There are no accelerated processing options available for a dispute. All consumer dispute requests are completed within 30 days.

If the lender doesn't respond within 30 days, TransUnion will delete the disputed information from your credit report.

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.

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.

See "Can I cancel all or part of my dispute?" above.

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 for details on how to contact TransUnion Consumer Relations 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.

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.

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, or you may need to view your results on our alternate dispute site instead.

• 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 disputes that you requested by phone, by mail, or on our alternate dispute site. To view those results, please log in on our alternate dispute site using the same username and password you use on this site.

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

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.

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.

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.

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.

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.

Please check out our main dispute FAQ page for more information about disputes.

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 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

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.

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.

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.

Please visit our main fraud alert FAQ for details on how you can request a fraud alert for another person.

Yes. Companies you already have a relationship with will be able to view your credit report and/or make changes if they need to.

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 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.

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.

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.

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 it 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.

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.

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.

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.

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.

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 click here to submit your opt-out 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.

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

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.

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.

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.

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.

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.

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.

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

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.

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).