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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.

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.

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FAQ

What is permissible purpose?

What's a credit score and how can I see it?

Does checking my credit report hurt my score?

Am I eligible for a free credit report?

Which Web browser can I use to access this site?

Can I log in with my TransUnion Credit Monitoring or TrueIdentity.com username?

What if I forgot my password or username?

How do I change my login information?

How do I choose a good username and password?

What is a secret question and secret answer?

What if I forgot my secret answer?

What is Identity Verification?

Is the Identity Verification process really necessary?

Why can't I choose which method of Identity Verification to use?

I'm selecting the correct answer(s) to my security question(s). Why won't Identity Verification confirm my identity?

What if the security questions ask for outdated information that I no longer have?

What if I've tried everything, and Identity Verification still can't confirm my identity?

How do I update my email address?

Why would I need to change my email address?

Why can't I change my Social Security Number?

Why freeze my credit?

If I freeze with TransUnion, do I need to freeze with the other credit reporting agencies?

Does a credit freeze affect my credit score?

Will a freeze block "pre-approved" offers of credit?

How do I lift or remove my freeze?

What's a credit report?

Where does the information in my credit report come from?

Why can't I view my credit report?

What information is in my credit report?

What is a consumer statement? How do I add one to my credit report?

Can I add a consumer statement to my file if I'm affected by COVID-19?

Why don't my credit reports show the same information?

Who can access my credit report?

Who makes the decision to give credit?

What do lenders look at when deciding whether to approve a loan or credit card?

How do I build a good credit history?

How can I remove my name from credit or insurance pre-screening mailing lists?

How can I stop getting email offers from TransUnion?

What's a credit score and how can I order it?

How is a credit score calculated?

What is a VantageScore®? Do lenders use VantageScore?

Why don't I have a credit score?

How can I improve my credit?

Why is my score on this site different from the score I received from another source?

Why did my score change?

How can I view a score I purchased in the past?

What should I do before I start?

What TransUnion information can I dispute?

Is a dispute the right option for the change I want?

How does contacting my lenders help me?

What "reason" information do I need to provide?

Do I need supporting documents?

What happens in a dispute?

How do I get information that was previously removed added back onto my TransUnion credit report?

How can I dispute Equifax or Experian data?

Quick start: Dispute process basics

Can I save my selections or document attachments, and come back later?

Can I dispute more than one item at once?

Is there a mobile app for dispute?

Why can't I dispute my SSN, date of birth or current name/address?

How to: Change dispute selections before submitting

How to: Print a dispute summary

What is a consumer statement? How do I add one to my credit report?

How to: Choose and attach documents

What if I reached the document maximum but haven't uploaded all my documents?

How to: Troubleshoot document-upload issues

How soon will I receive results?

It's been 30 days. Why didn't I get an email about my results?

Why is my dispute "previously verified"?

Can I request faster processing?

What happens if the lender who services the account I'm disputing doesn't respond within the required time?

I forgot an item. How do I add it after I submitted my dispute?

Can I cancel all or part of my dispute?

Can I change my dispute selections after I submitted my dispute?

I forgot to attach documents before I submitted my dispute. Can I upload them now?

Can I dispute the same information via multiple TransUnion Dispute services?

How do I see my dispute results?

A dispute I requested isn't in the dispute history. Why?