Create a Free User Profile | TransUnion Online Service Center

What is permissible purpose?
Companies can access your credit report data only if they have a permissible purpose under the Fair Credit Reporting Act. For example, companies may request to access your credit report data for purposes such as these:
- To grant new credit to you
- For employment purposes
- For rental screening
- For insurance underwriting
- To provide credit reports and/or credit monitoring data to you
- Other purposes as defined in the Fair Credit Reporting Act
What's a credit score and how can I see it?
A credit score is a three-digit number calculated based on the information in your credit report. It is one factor used by lenders to determine your creditworthiness for a mortgage, loan or credit card. Your score can affect whether you're approved for credit, as well as what interest rate you're charged. The score you receive on this site is based on the VantageScore® 3.0 scoring model. There are many different credit scores, and the score you receive on TransUnion's site may not be the score used by a particular lender.

Your TransUnion credit score is not included with your credit report.
- You can log in to 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. The price for a TransUnion credit score purchased online is $0.99 plus tax.
- You can also order your TransUnion score by contacting our Consumer Relations team: contact us by phone. The price for a TransUnion credit score sent by mail is $9.95.
TransUnion also provides your credit score when you enroll in our paid online credit monitoring subscription.
Does checking my credit report hurt my score?

No. Checking your own credit report is considered a soft inquiry, and those don't affect your score.
Am I eligible for a free credit report?
You are entitled to one free credit report each year from the credit reporting agencies. To request your TransUnion, Equifax and/or Experian credit report, please visit www.annualcreditreport.com.

Learn more about other options to get your credit report.

You may also be eligible to receive a copy of your TransUnion personal credit report at no charge if:
- Within the last 60 days, you have received an adverse action notice based on information from your TransUnion credit report
- You are unemployed and plan to seek employment within 60 days
- You receive public welfare assistance
- You have reason to believe your TransUnion credit file is inaccurate due to fraud
- Your state offers a free or reduced-price Personal Credit Report
If one of the reasons above applies to you, request your disclosure report via this website.
Which Web browser can I use to access this site?
This TransUnion website supports all major browsers. To ensure the security of your information online and to support an optimal online experience, check that you are using the latest version of your preferred browser.

Browser Version Recommendations:
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.
Credit Reports for the Vision Impaired
Credit reports from annualcreditreport.com and TransUnion are accessible to the vision impaired.
- Online reports are compatible with screen readers.
- Braille, audio or large print formats can be requested by telephone at (877) 322-8228 or by mail. View our Accessibility Statement here.

What is Identity Verification?
The Identity Verification process is an essential part of the TransUnion Interactive website because it protects your privacy by ensuring that your credit information can only be accessed or viewed by YOU.

Identity Verification confirms your identity through one of two methods: by sending a security passcode to your phone that you must enter on the site, or by asking you a series of questions based on your accounts, personal information and other information contained in your credit report. Here's how it works:

Security passcode
- Our system sends a temporary security passcode to the phone number you provide during sign up, either via text message or an automated voice call.
- You enter the passcode on this site within 15 minutes to successfully confirm your identity.
- Once you've successfully confirmed your identity by entering the security passcode, you'll have access to your online credit report.
- If you don't have access to your phone right now, you can log out and come back later. When you log back in, you can continue where you left off.
Security questions
- The system presents you with a question based on information contained in your credit report.
- You select the answer from a list of possible choices and click "Next" to continue.
- As you submit your answers, that information is compared with the information in your credit report.
- You'll need to answer as many questions as necessary to successfully confirm your identity.
- Once your identity is confirmed, you'll have access to your online credit report.
- If you need to leave the site to look up some information, simply log off and come back within three days to continue your identity verification.
If your identity can't be confirmed online, you'll be given instructions on how to continue.
Is the Identity Verification process really necessary?

The protection of your security and privacy is extremely important to us. Identity Verification is a powerful fraud protection tool because it asks questions that can only be answered by the person who is the subject of the credit report. Without Identity Verification, an unauthorized party could obtain your most private credit information.
Why can't I choose which method of Identity Verification to use?

Our Identity Verification system considers the phone number you provided and the device you're currently using. Then it automatically selects the safest method to confirm your identity.
I'm selecting the correct answer(s) to my security question(s). Why won't Identity Verification confirm my identity?

Our security questions use specific information contained in your credit report. It's possible that the answer you selected is not reflected in your current credit report, or that your lender hasn't reported an update to the credit reporting agencies yet. If you're unable to pass the security questions, please follow the instructions provided below.
What if the security questions ask for outdated information that I no longer have?

The security questions may ask for information about accounts that you've closed within the past three years. You may need to review your files or contact your previous lenders to request the information. If you can't access that information and you're unable to pass Identity Verification, please follow the instructions provided below.
What if I've tried everything, and Identity Verification still can't confirm my identity?

Please contact our Website Access Support team at 866-744-8221, available Monday through Friday: 8:00 AM - 9:00 PM ET, Saturday through Sunday: 8:00 AM - 5:00 PM ET.

A support team agent will attempt to confirm your identity by asking you questions about your credit history. Once your identity has been confirmed, the agent will be able to guide you through your request online.

What's a credit report?

Your credit report is a record of your credit activity and history. It includes credit inquiries, open and closed credit accounts, your payment history and bankruptcies (if applicable). In addition to credit data, your credit report also contains personal information such as your current and former address(es), names and employers.

A credit report is one piece of information lenders can use to help them make decisions about your credit application. Insurance providers, potential employers and other types of business entities with a permissible purpose may also use a credit report to make offers of insurance, employment or other services.
Where does the information in my credit report come from?

As a credit reporting agency, TransUnion collects and reports the information we receive from thousands of different sources, including banks and lending institutions; public utilities; local, state and federal courts; other public record sources and other data providers. We receive billions of consumer information updates each year, including information on consumer spending and payment histories, and bankruptcies.
Why can't I view my credit report?
You may get a message on this site that says we're unable to complete your request for a credit report. This may happen for a few reasons:
- Already requested report — If you already accessed your credit report on this site in the past 24 hours, you'll need to wait until 24 hours have passed from your last request before you can request another credit report.
- Active dispute — If you have an active dispute investigation with TransUnion, we'll be able to provide your credit report online only after your dispute is complete. If you wish to get a mailed copy of your credit report as it existed before you initiated your dispute request, contact our Consumer Relations team.
- No recent credit history, or outdated personal information — It's possible we don't have a credit report matching the personal information you provided. If you have an active credit history in your name, you can check your user profile to make sure your personal information is up to date. If you have no (or very limited) recent credit activity, you may want to learn more about how to establish a credit history.
If you don't have an active dispute, and you do have recent credit activity that's associated with the same name and address on your user profile, then you may need to contact us for help. Please reach out to our Consumer Relations team so that we can help you access your credit report online.
What information is in my credit report?
There are four primary categories of information in each type of credit report:
- Identifying information: Your name, current and previous addresses, Social Security number, telephone number, date of birth, and current and previous employers.
- Public records: Bankruptcy records that may affect your creditworthiness.
- Credit account history: Information related to your accounts, including your payment history with lenders such as retail stores, banks, finance companies, mortgage companies and collections agencies.
- Inquiries: A list of the lenders and other authorized parties who have received your credit report in the last 2 years. The inquiries section of your credit report on this site may also show details about your own requests for your credit report, and about companies that receive your name and address information to offer you credit or insurance.
Your credit report does not contain your credit score; your race, gender, religion, or national origin; purchases you made with cash or check; business accounts (unless you are personally liable for the debt) or your medical history.
What is a consumer statement? How do I add one to my credit report?
Every person has a unique financial story, and a consumer statement is an opportunity to tell yours. You can add this kind of statement to your credit report to explain your financial situation to anyone who views your credit report.

We provide several pre-worded options that you can choose from like, "I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency," or you can write your own statement, in your own words. If you decide to add any personal or medical information, anyone who views your credit report will be able to see it.

A consumer statement is your opportunity to be heard. If you think it's the right option for you, simply follow these instructions:
1. Go to the Dispute page in the TransUnion Service Center
2. Scroll down to the Manage Your Consumer Statement area and click the Manage My Statement button.
3. If you have an existing consumer statement, you can add text to it or delete it. If you want to rewrite your existing statement, delete your statement first and then add a new statement.
4. We provide several pre-written consumer statement options you can choose from, or you can also write a statement in your own words in 100 words or less (200 or less in Maine).
5. If you're adding new statement text, you'll be able to review your statement updates before you submit them.
6. We will process your request immediately and your credit report will show your changes to your consumer statement information within minutes.
If you are not able to manage your consumer statement online, you can dispute by phone or mail to update your statement.
Can I add a consumer statement to my file if I'm affected by a Public Health Emergency?

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 a Public Health Emergency." You can also write your own statement in your own words. Add a consumer statement via the Dispute Center.
Why don't my credit reports show the same information?
There are a few main reasons why credit reports from different sources may show different information:
- Different credit reporting agency: When you have an account with a lender, they'll typically submit account updates to at least one of the three major credit reporting agencies — TransUnion, Equifax and Experian. Since lenders don't always report to all three agencies, the information on your credit reports may vary.
- Different credit report date: It's also important to note that lenders report information to the credit reporting agencies at different times of the month, so you might see slight differences in your reports, and therefore your credit scores, at any given time.
Who can access my credit report?
The federal Fair Credit Reporting Act (FCRA) limits who has access to the information on your credit report and how your report can be used. Businesses or individuals can only access your credit report if they have a permissible purpose. That is, they must have a specific, allowable reason under section 604 of the FCRA. Examples of some types of companies that may have access to your report under some circumstances include:
- Mortgage lenders
- Landlords
- Utility companies
- Car insurance companies
- Employers
- Government agencies
- Collection agencies
Subject to specific exceptions in the FCRA, a consumer reporting agency may only provide your credit report to businesses or individuals under the following circumstances:
- In connection with a credit transaction that involves you
- For underwriting insurance that involves you
- In connection with determining eligibility for a license or government benefit
- For a business transaction you initiate
- With your consent and written instruction
Who makes the decision to give credit?

TransUnion does not make credit decisions, lenders do. Each lender has their own formula for evaluating a credit application, and only the lender can tell you why they made a decision.

TransUnion's role is limited to providing a lender with information from your credit report, which the lender reviews (usually along with other information, such as employment) when making a credit decision.
What do lenders look at when deciding whether to approve a loan or credit card?
Lenders want to see how you've managed your credit in the past. This helps them determine if they should approve your request for credit, and if so, what your terms will be.
- Your credit score is based on the information in your credit report, and provides a snapshot of your credit health to lenders. This can help them make a lending decision. Companies may have different criteria for extending credit, so a score that may get you approved with one lender may not be the same for another. Your credit score may not be the only thing lenders look at when making a credit decision.
- Other information lenders may review in their loan evaluation process may include information you provide on the credit application, like income, employment or how long you've lived at your residence.
How do I build a good credit history?

If you don't have a good credit history, it may be harder for you to get credit. Learn more about how to establish a credit history.
How can I remove my name from credit or insurance pre-screening mailing lists?

If you want to remove your name and address from credit or insurance pre-screening mailing lists received from the three nationwide consumer reporting agencies (TransUnion, Equifax and Experian), learn how to opt out of "pre-approved" offers.
How can I stop getting email offers from TransUnion?
When you set up your user account on this website, you'll have the option to opt out of marketing email offers from TransUnion and TransUnion Interactive, Inc. You can unsubscribe at any time in either of the following ways:
- Click the "Unsubscribe" link included at the bottom of any marketing email you receive from us.
- Log in to your user account at service.transunion.com, and then go to the My Settings section from the My Profile link.

What's a credit score and how can I order it?
A credit score is a three-digit number calculated based on the information in your credit report. It is one factor used by lenders to determine your creditworthiness for a mortgage, loan or credit card. Your score can affect whether you're approved for credit, as well as what interest rate you're charged. The score you receive on this site is based on the VantageScore® 3.0 scoring model. There are many different credit scores, and the score you receive on TransUnion's site may not be the score used by a particular lender.

Your TransUnion credit score is not included with your credit report.
- You can order your TransUnion credit score on this website and get your score online. You can then print or save it, or view it online for up to 30 days.
- You can also order your TransUnion score by contacting our Consumer Relations team: contact us by phone or mail. The price for a TransUnion credit score sent by mail is $9.95.
TransUnion also provides your credit score when you enroll in our paid online credit monitoring subscription.
How is a credit score calculated?
Your credit score is calculated using the information in your credit report. For the VantageScore® 3.0 credit score you receive on this site, the factors below generally contribute to a credit score in the following amounts:
- Payment history (contributes 40%) — This is one of the most important aspects of your credit score, because it shows how you've managed your accounts, including any late or missed payments.
- Age and type of credit (contributes 21%) — This includes the length of your credit history and the types of credit accounts you have, such as revolving (i.e., credit cards) or fixed term (i.e., mortgages, auto loans, etc).
- Credit utilization (contributes 20%) — This indicates how much of your available credit you're using. Generally, the lower the percentage, the better.
- Balances (contributes 11%) — This is the total amount of all recently reported balances on your accounts (current and delinquent).
- Recent credit (contributes 5%) — This includes the number of recently opened credit accounts and credit inquiries that have been made to potentially grant new credit.
- Available credit (contributes 3%) — This is the total amount of credit you have available to you.
Remember, no one has just one credit score, because financial institutions use a variety of scoring models. For example, for some scoring models, your balances may have a larger impact on your score than your payment history.
What is a VantageScore®? Do lenders use VantageScore?

If you buy a credit score or enroll in a product that contains a credit score on this website, the score provided to you is a VantageScore 3.0 credit score.

What you need to know: There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score we offer on this website is based on the VantageScore 3.0 model and may not be the same score used by lenders or other commercial users for credit decisions. Only your lender can determine which credit score it may use to determine your credit eligibility.
Why don't I have a credit score?
There are many different credit scoring models, and the exact criteria for each one may vary. But if the VantageScore® 3.0 scoring model can't generate a score for you, it's often for one of these reasons:
Not enough credit information: To receive a VantageScore 3.0 score, you must have at least one of the following types of information on your credit report:
- Credit account
- Unpaid third-party collection account
- Public record (bankruptcy)
If you only have inquiries; medical accounts; or child, family or spousal support accounts on your credit report, you will not receive a score.

References to a deceased person: If a remark on one of your accounts references a person who is deceased, or if the Social Security number on your credit report may match a Social Security number in the Social Security Death Index (SSDI), then you may not be eligible for a credit score. If you have mistakenly been reported as deceased on your TransUnion credit report, please notify us you are not deceased by following our phone or mail dispute process.

If a specific website or score provider is not able to generate a credit score for you, please contact them directly to learn why.
How can I improve my credit?

Time and consistent good habits are the keys to long-term credit health. Good credit habits that can positively affect your credit score over time include paying bills and loans on time and in full each month, if possible, and maintaining a low credit utilization ratio. That means having access to credit, but using a low amount of the available credit, which demonstrates responsible borrowing to lenders. Reviewing your credit reports regularly to ensure they're accurate and up to date is another good habit; this will also help you notice any changes that may affect your score.
Why is my score on this site different from the score I received from another source?
If the score you received from another source looks different from the one you see here, this may be normal. We recommend you check the following:
- Score model: There are many scoring models, and they may weigh certain information in your reports more heavily than other factors. For example, one scoring model may put more emphasis on total credit usage than others. Because there are varied scoring models, you'll likely have different scores from different providers.
- Credit report: A credit score is calculated using information from a particular credit report. Each of the nationwide credit reporting agencies (TransUnion, Experian and Equifax) collects similar information, but lenders can choose to report to one, two or all three agencies. Because of this, the information in your reports can vary, which is one reason your scores can differ too.
- Score date: Your credit score can change depending on the day it's calculated, even if the same scoring model and credit report is used. This is because scores can change as information in your credit reports is updated. If a lender reports new information about you, such as new inquiries, or a change in account status or balance that could affect your score.
Why did my score change?
Your credit score is calculated using information in your credit report, so it's normal to see your score change as lenders provide updates to that information. If your score changed, you can check two places to better understand why:
- Score factors: The score you get on this website includes score factors. Check the top positive and negative factors to understand what had the most impact on your score.
- Credit report: Review your credit report to see if something changed that may have affected your credit score. Examples of changes that could affect your score include change(s) to your account statuses or balances, new inquiries and other common reasons for score changes.
How can I view a score I purchased in the past?

On this website, you can see the credit report and credit score you most recently requested for up to 30 days.

Any time you request a credit score on this site, you can choose to print or save it to review. If you request a credit report or score on this site again, we'll show your newest score, and your previous one will be replaced. If you currently have a score available, you may want to print or save it before you request another one.

What should I do before I start?

Once you start your dispute, you can't save, stop or come back later. You need to start and finish in the same session, so be sure to have everything you need ready when you start your dispute.

If for some reason you can't finish your dispute in one visit, please print a copy of your selections so it will be easier to start over when you return.

Check the FAQ answers below for information about disputes.
What TransUnion information can I dispute?
Personal information dispute options:
- On this website, you can remove previous name ("AKA"), previous address, employer and telephone number information. You can also select a "previous" address to be listed as your current address.
- Currently, you cannot add new contact information on your TransUnion report online. You also cannot make edits to existing personal information such as names, addresses, employment information, date of birth or SSN online. If you want to modify existing personal information or add new personal information on your TransUnion report, please file your dispute request by phone or mail. These changes may require you to submit documents. If you need to request a legal name change, including transgender and non-binary first and/or middle name changes, please visit our Transgender Name Change page for more information.
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.
- Information related to human trafficking can be disputed on the human trafficking request page.
Inquiry dispute options:

When you see an inquiry on your credit report, it means that someone requested to view it. Companies can only request your credit report for a legitimate business reason (called permissible purpose). Examples of permissible purpose include: credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental application or court order. Inquiries stay on your credit report for two (2) years.

If you believe an inquiry was made without a permissible purpose, it's a good idea to reach out to the company who requested your credit report to find out more details. If they determine that someone fraudulently applied for credit in your name, they can close that account and send us a letter requesting removal of the inquiry.

If you have specific information that the inquiry was made fraudulently, you can also call us at 800-680-7289.

You may want to place a fraud alert if you believe you are a victim of fraud. To limit access to your credit report in the future, we also recommend freezing your credit report.

Disputing other information:

Additional Information, Third Party Supplemental Information and Consumer Contributed Financial Information cannot be disputed online. If you believe any information in these areas of your TransUnion credit report is inaccurate, please file your dispute by phone or mail.

Please note that you may or may not have Additional Information and Third Party Supplemental Information in your credit report. By way of example, your credit report may include one or more of the following information types:

Special Messages, Possible Office of Foreign Assets Control (OFAC) Match, Inquiry Analysis, Military Lending Act (MLA) Match, Income Verification, Driver’s License Information, Checking Account and Demand Deposit Account (DDA) Activity, Supplemental Consumer Credit Information, Supplemental Public Records and Residential Information, Club & Subscription Activity
Is a dispute the right option for the change I want?
It's your right to dispute information you believe to be inaccurate; however, these tips can help you determine if a dispute is needed:
- Recent payments may not appear immediately: Most lenders report data to the credit reporting agencies every 30 days. If you recently made a payment or other change to an account, there may be a delay before your lender reports the latest information. Always check the "last reported" date on any TransUnion credit report you receive. If the change you want to see on your file happened after your lender last reported data, it's possible that the requested change will be included on your lender's next scheduled update to the credit reporting agencies. On the other hand, if the change happened before the lender's latest update, and you are still seeing inaccuracies in the data they reported, you can dispute the information either with the lender directly, or through the credit reporting agencies.
- Detailed payment history is not provided by some account providers: If your accounts show an empty payment status (no positive or negative payment info) for payments in the past, it's possible that your lender simply chooses not to report detailed information to the credit reporting agencies or the account is in collections and does not report payment history. In this case you may want to contact the lender directly to share your feedback, rather than filing a dispute to request information they choose not to provide.
- Shared accounts should display on all account holders' reports: Typically if you are a joint account holder or authorized user of the account listed, the account and related payment history should show up on your credit report. This includes details of any late or missed payments. If you believe you are not responsible for the account, you can file a dispute either with the lender directly or with us through this website.
How does contacting my lenders help me?

You may file a dispute without contacting your lender first, but keep in mind, TransUnion may contact the lender in the process of investigating your dispute.
What "reason" information do I need to provide?

For account and public record disputes, we require you to provide a reason for the change you wish to make. You can typically select up to two reasons, but for certain disputes, only one reason can be selected. You also have the option to add a comment with additional information that may be relevant to your dispute. For example, if you believe that the account or public record belongs to someone with a similar name, you should select the dispute reason ‘This is not my account/public record’ and then add the name of the person that the information belongs to.
Do I need supporting documents?
If you're disputing account information, it may be helpful to provide supporting documents.
- Documents should always be from a relevant source (such as a court or a lender), and should include specific details that support the change you are requesting.
- For example, documents from your lender such as statements that show an account has been paid off and closed, or copies of court documents may be helpful in resolving your dispute. If you want to include supporting documents with your dispute, first select the account you want to update, then check the box indicating you want to upload documents. When you click to the next step, you'll see options to add your document(s).
What happens in a dispute?
Once you submit a dispute, we review it carefully and take one or more of the following action(s):
1. Update your credit report based on the information your provided; OR
2. Determine that the information you disputed has already been updated; OR
3. Determine that you already disputed the item and the lender already verified the information is correct; OR
4. Ask the lender reporting the information to:
  - Review relevant information we sent them and determine whether the information listed on your credit report is accurate
  - Provide us with a response to your dispute
  - Update their records and systems, if needed
Investigations are usually completed within 30 days of the date we receive your request.

When your dispute investigation is complete, you will 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. This is possible even if you submitted your dispute via phone or mail and requested your results to be available online. In the meantime, you can view or update the email address associated with your user account on this website.
How do I get information that was previously removed added back onto my TransUnion credit report?
If personal information or an account were previously removed from your TransUnion credit report, but you later determine that information should show up on your credit report again, follow the instructions below.
Personal Information:
- To re-add a phone number or employer, contact us to add personal information.
- To re-add other personal information such as a name or address, mail current documents that show the information you want to add. Learn how to update your SSN, birthdate, name & address.
Account:
To re-add an account, ask the lender or company that manages the account to contact TransUnion to see if the account is eligible to be re-reported or reinserted to your credit report.

To manage a consumer statement on your credit report, please use our online dispute process.
How can I dispute Equifax or Experian data?
The dispute feature on this site lets you dispute items on your TransUnion credit report only. To dispute an item on your Equifax or Experian reports, contact those credit reporting agencies directly using the information below.
- Equifax:
  You can dispute online with Equifax, or send your dispute by mail:
  
  Equifax
  
  P.O. Box 740241
  
  Atlanta, GA 30374-0241
- Experian:
  You can dispute online with Experian, or send your dispute by mail:
  
  P.O. Box 4500
  
  Allen, TX 75013

Quick start: Dispute process basics
Online disputes for TransUnion follow a simple process.
1. Review information: Review the TransUnion credit information on this site to choose what information you want to dispute first. You can only select one at a time, but you will be able to dispute multiple pieces of information after you have added the first selection to your dispute.
2. Decide if you will include supporting documents. If you are disputing account information, you can add relevant supporting documents to your dispute on this site. A document may be relevant if it comes from a source that has authority over the account you are disputing and includes details that directly relate to the information you are disputing.
3. Select updates and reasons: If you select an account or public record, you will see an additional step to provide reasons why you believe the information shown is inaccurate. You may also have the option to add additional comments to include with your dispute.
4. View summary and add more items or submit your dispute: The last step will show a summary of the information you selected. You can edit or delete each item if needed. At this point your dispute isn't yet submitted, so you can print the summary for your personal records or add additional items (for example, other accounts) to your dispute. Once all of your disputed items are added, double check your selections and click the button at the bottom of the page to submit your dispute. Once you submit your dispute, you won't be able to make any further changes to your dispute selections through this site.
Can I save my selections or document attachments, and come back later?

We don't currently support an option to save your dispute and come back later. If you leave your screen open with no activity for several minutes, the system will automatically log you out as a security measure. If you start your dispute request but can't finish it in a single session, first go to the Review page and print off your selections so you'll be able to add them easily later.

Not sure how to go to the Review page? If you're looking at your credit report information, look for a piece of information you selected to dispute and click the "View" link on the right. This will take you to your Review page.
Can I dispute more than one item at once?

Yes, you can add multiple items to your dispute request. Before you submit your dispute, you'll see a Review page. On this page you can add another account or public record, or request a change to your personal information. You can add more items as many times as you need to before you submit your dispute.

Keep in mind that if you have a lot of items in your dispute request, it may take us longer to resolve all of them. Investigations are usually completed within 30 days from the date we receive your dispute.
Is there a mobile app for dispute?

Not at this time. However, you can still access the dispute website using your mobile device.
Why can't I dispute my SSN, date of birth or current name/address?

On this website, you can remove previous name ("AKA"), previous address, employer and telephone number information. You can also select a "previous" address to be listed as your current address.

If you need to change the order of addresses on your credit report, add new personal information, or edit employment information, you will need to mail current documents that show your updated information. Learn how to add or modify personal information. Separately you may need to update your user profile on this website.

If you need to request a legal name change, including transgender and non-binary first and/or middle name changes, please visit our Transgender Name Change page for more information.
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 a Public Health Emergency," 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 the investigation is complete and your results are ready.
How do I get my results?

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. This is possible even if you submitted your dispute via phone or mail and requested your results to be available online.

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. Unless otherwise communicated to you, the dispute is completed. Those dispute results may have been mailed to your address instead of being emailed. We do apologize for any inconvenience caused by this unexpected news.
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.
I submitted my dispute via phone or mail. How will I receive my results?

If you requested your dispute investigation results to be available online, you will receive an email notifying you that your results are available online when the investigation is complete.

If you did not receive an email notifying you of your results, your dispute investigation may require additional processing and you will receive your results by mail.
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 or the dispute may require additional processing.
- If you submitted your dispute by phone or mail, you may or may not be able to see it on this site.
- On this site you can see most online disputes that are in process or completed up to 90 days ago, including disputes you requested through this website or through TransUnion Credit Monitoring. Additionally, on this site you may be able to see disputes you submitted via phone or mail where you requested to receive your dispute results online.
- This site does not show results for some disputes that you requested through non-TransUnion 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.

How do I make a Data Privacy request?
If you're under 16:

If you're under 16 years old, a parent or guardian must make your data privacy request in writing and send it to us by mail or email. Please see our Privacy Notice for more information or call us at 866-310-8783.

If you're 16 or 17:

If you're 16 or 17 years old, you can make a request for yourself by calling 866-310-8783.

If you're 18 or older:

If you already have a user account on this site, you can log in to submit a data privacy request online to get a copy of your data privacy report, correct or delete your personal information, or limit how TransUnion processes your personal information. You can also print results of recent data privacy requests and check the status of any data privacy requests that you submitted from your user account. See below if you don't want to use your account and choose to login as a guest or call us.

If you don't already have a user account on this site and you want to submit data privacy access, correction or deletion requests, or you want to opt-out from certain processing or limit how TransUnion processes your personal information:
- You can create a free user account here (where you can also submit an opt-out request).
- Alternatively, you can use our guest user option (if you don't have an account). If you use our guest user option, you'll receive your results by mail, and you won't be able to see options on this site for other activities beyond data privacy requests.
- You can also always call us at 866-310-8783 and submit a request over the phone.
If you want to make a data privacy opt-out request or limit the processing of your personal information and you prefer not to set up or log into a user account, you can use our opt-out form to submit your request, or call us at 866-310-8783.

As discussed above, the choice you make will impact how you receive information on your results.
If I live in a U.S. state, can I make a data privacy request?

TransUnion currently offers data privacy options on this site under the provisions of applicable U.S. state laws and regulations for United States residents.

If there is no applicable privacy law in your state or if your state's privacy laws provide more limited options than in other states, TransUnion may process your request in accordance with privacy laws in effect in other states or may choose not to process the request beyond what is required by law in your state.
If I delete my personal information with TransUnion, does that mean my entire credit report is deleted?

Data privacy requests apply only to certain data elements. You won't be able to delete your credit report with TransUnion. However, you can dispute credit report information if you believe it to be inaccurate. Visit transunion.com/dispute for more information.
What information isn't covered by state data privacy laws?

Certain information is not covered by state data privacy laws; this varies by state. For example, for the California Consumer Privacy Act (CCPA), data collected under the federal Fair Credit Reporting Act (FCRA) for the purposes of credit reporting is not subject to the law. Other exceptions to state privacy laws may include information governed by the Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection Act (DPPA) and Health Insurance Portability and Accountability Act (HIPAA).
What data is covered by my privacy requests on this site?

You can exercise your U.S. consumer data privacy rights with TransUnion through this website. Sontiq, Neustar, Signal Digital, Argus Advisory, and Commerce Signals are now TransUnion companies. To exercise your personal data rights with Sontiq, please visit the Sontiq page for data privacy requests. To exercise your personal data rights with Neustar, please visit the Neustar Privacy Choices page. To exercise your personal data rights with Signal Digital, please visit the Signal Digital opt-out page. To learn more about how Argus Advisory processes personal data, please visit the Argus Advisory privacy notice page. To learn more about how Commerce Signals processes personal data, please visit the Commerce Signals privacy notice page.

How long will it take for me to receive the results of my data privacy request?

Opt-out requests take up to 15 days to process. Data privacy access, correction and deletion requests typically take up to 45 days, but may take as long as 90 days. If we expect the request to take longer than 45 days, we'll let you know.
How will I receive my data privacy results?

Depending on how you submit your request, you may receive your results online or by postal mail. If our website indicates you will receive your results online, you'll receive an email letting you know your request is complete. Then you'll need to log in to this site to view your results.
Will I receive notifications about my data privacy request?

If you submitted your data privacy request while logged in on this site, we'll notify you to confirm your request was submitted, and then again later, to let you know when your results are available.
What is in the data privacy report?

A data privacy report will provide specific pieces of personal information TransUnion has received from you and other sources. It will not include credit report information, certain health or financial information, or driving records. Certain other exceptions may also apply.
Will the data privacy report include all of the information TransUnion has received from me and other resources?

No. It will not include credit report information, certain health or financial information, or driving records. Certain other exceptions may also apply.
How can I stop TransUnion from selling/sharing my personal information?

If you want to opt out of having TransUnion sell/share the information that’s found in your data privacy report, you can start an opt-out request online or by calling us at 833-395-6938
If I see something that’s incorrect on my data privacy report, can I dispute it?

If you see something inaccurate, you can proceed with making a correction request.
Can I delete all the information TransUnion has about me?

You can request to delete certain information that TransUnion has about you. However, exceptions apply. For instance, data collected under the federal Fair Credit Reporting Act (FCRA) for the purposes of credit reporting can't be deleted. Other exceptions include, but are not limited to, information governed by the Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection Act (DPPA), and Health Insurance Portability and Accountability Act (HIPAA).
If I make a deletion request to TransUnion, will I still have an active TransUnion user account?

Your TransUnion user account(s) will remain active if you choose to delete your personal information. This ensures we are still able to provide services to you, including the ability to start other data privacy related requests.
What's the difference between opt out and delete?

An opt-out request is a request that TransUnion not sell your personal information or limit the processing of your personal information. A deletion request is a request that TransUnion delete the personal information that TransUnion maintains about you.
Can I delete my credit report?

You aren't able to delete your credit report with TransUnion. However, you can dispute credit report information if you believe it to be inaccurate. Visit transunion.com/dispute for more information.
What types of information can I delete?

You can delete any personal information on your data privacy report that is not exempt from deletion under the law.
Why is something I submitted for deletion still showing up on my data privacy report?

If you asked us to delete data and you still see information on your data privacy report, then we have determined that the data is subject to an exception under the law.
What is a correction request?

A data privacy correction request is a request that TransUnion correct personal information collected by TransUnion. If after viewing your data privacy report, you believe specific pieces of data are incorrect, you can submit a correction request. We will review the data and where possible, we will delete that data. We may delete additional data beyond what you had requested.
I want to correct some or all of the information you have on me. How do I do that?

Data privacy correction requests apply only to certain information. For instance, information collected under the Fair Credit Reporting Act (FCRA) for the purposes of credit reporting can only be disputed by a consumer and must then be investigated by TransUnion for any possible inaccuracy. Visit transunion.com/dispute for more information.

A data privacy request to correction personal information can be completed online by visiting transunion.com/consumer-privacy and navigating to the "Get a copy of your data or correct your data" section. Once you have requested and received a copy of your data, you will then be given the option to correct the data. You can also make a correction request by phone by calling 833-395-6938.

When you use this process to notify us about specific pieces of data you believe are incorrect, we will review the data and where possible, we will delete that data. We may delete additional data beyond what you had requested.
Why am I not seeing options to exercise my right to correct?

You must first submit a data privacy access request for your data privacy report. Then you'll see the option to submit a correction request. If you already have your data privacy report and are still not seeing an option to correct, you may need to submit a new data privacy access request.
Can I correct my credit report?

A data privacy correction request does not impact your credit report, nor the information found on your credit report. To dispute credit report information, please visit transunion.com/dispute.
Why is something I submitted for correction still showing up on my data privacy report?

If you asked us to correct a piece of data, and you still see the same information present on a future data privacy report, then we have determined that the data is subject to an exception under the law.
Can I opt out of TransUnion selling/sharing specific information?

There is no option to opt out of TransUnion selling specific pieces of information. If you choose to opt out of the sale/sharing of data, this will apply to all personal information found on your data privacy report.
What are my choices to opt out on this site?
See our FAQ "What important information should I know about TransUnion data privacy opt outs" for more information on opt-out choices.

Your data privacy opt-out choices include:
- Opt out of the sale/sharing of my personal information: This option limits the sale of personal information from TransUnion to third parties.
- Opt out for cross-context behavioral advertising / targeted advertising: This option limits the processing of personal information related to certain targeted types of advertising.
- Opt out of automated decision-making/profiling: This option limits the processing of personal information relating to certain automated decision-making, including profiling (for example: profiling in furtherance of decisions that produce legal or similarly significant effects). This option won't affect our ability to provide you a credit score
- Limit use of my sensitive personal information: This option limits processing of some "sensitive" personal information we may have about you. Depending on your state's laws, sensitive personal information may include SSN, government ID information, and certain biometric personal information.
- Opt out of cookies: This option limits the sharing of information through certain cookies on our website. Please visit our Cookie Settings to exercise this option.
What important information should I know about TransUnion data privacy opt outs?
- Additional opt outs: If you submit requests for any data privacy opt out on this website, in some cases TransUnion may also complete additional opt outs beyond the type(s) you requested or we may delete your information. For example, if you request to opt out of targeted advertising, TransUnion may also opt out some of your data from processing activities related to one or more of the other opt out types.
- Some opt-out activity may affect product offerings available to you from TransUnion and TransUnion partner companies For example, some opt out actions may cause you to no longer receive certain personalized offers from TransUnion and/or TransUnion partner companies.
- Application of State Law: TransUnion may process your request differently based on the laws in the state you selected, and may not process your request at all if there is not applicable state law or if your request is subject to an exception.
- Opting out doesn't impact credit reporting, which is governed by the federal Fair Credit Reporting Act (FCRA). Even if you opt out, you'll be able to apply for new loans, such as a mortgage or personal loan. Your credit report information will be retained and may be shared to ensure you can continue to access the opportunities credit can provide.
Data privacy options provided by TransUnion will also not limit processing activities allowed under the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection Act (DPPA), or Health Insurance Portability and Accountability Act (HIPAA), among other exceptions.
What are my opt-out choices beyond this website?
- To opt out of the sharing of information through certain analytics and advertising cookies, please update your cookie settings by visiting www.transunion.com and selecting Cookie Settings at the bottom of the page, where you can review more information and make your selection.
- Sontiq, Neustar, Signal Digital, Argus Advisory, and Commerce Signals are now TransUnion companies. To exercise your personal data rights with Sontiq, please visit the Sontiq page for data privacy requests. To exercise your personal data rights with Neustar, please visit the Neustar Privacy Choices page. To exercise your personal data rights with Signal Digital, please visit the Signal Digital opt-out page. To learn more about how Argus Advisory processes personal data, please visit the Argus Advisory privacy notice page. To learn more about how Commerce Signals processes personal data, please visit the Commerce Signals privacy notice page.
I've opted out, why am I still seeing ads and/or marketing emails about TransUnion?

Opting out from targeted advertising does not mean that you will never see ads relating to TransUnion. If you are receiving emails from TransUnion that you do not wish to receive, simply scroll to the bottom of the email and use the "unsubscribe" option to update your email preferences. If you are receiving emails that reference TransUnion but are coming from sources other than TransUnion, those sources may provide other options to manage your email preferences with them.

If you have questions about the required documents or submission process, you may call us at: 833-982-4057.

If you have complaints about the process

You may file a complaint about Transunion, or the company reporting the item, with the Consumer Financial Protection Bureau by visiting the CFPB's website or by calling 855-411-CFPB(2372).
What is human trafficking?

Human trafficking, also known as trafficking in persons, is a crime that involves compelling or coercing a person to provide labor or services, or to engage in commercial sex acts. The coercion can be subtle or overt, physical or psychological. Exploitation of a minor for commercial sex is human trafficking, regardless of whether any form of force, fraud, or coercion was used.
What types of information can be removed?
You may remove any of the following information that is on your credit report as a result of trafficking activity:
- Personal information
  Includes names, addresses, phone numbers, and employers.
- Accounts
  Includes credit cards and loans. You may see the following account types on your credit report:
  - Revolving accounts
    These are open lines of credit you can use until you reach its limit. A credit card is a good example.
  - Installment accounts
    These accounts are basically a fixed amount of money you repay on a schedule. A mortgage or car loan are good examples.
- Collections and bankruptcy
  - Collections
    An account can go to collections when payment is very late, by 30 days or more. Collections stay on your credit report for up to 7 years, even if you eventually pay what you owe.
  - Bankruptcy
    Bankruptcy is a legal process that someone uses when they cannot repay their debts. There are different kinds of bankruptcies, and they can stay on your credit report for up to 10 years.
- Inquiries
  An inquiry happens when any authorized person checks your credit report.
  
  A hard inquiry is sometimes called a “credit check.” A hard inquiry happens when a lender checks your credit report to evaluate a credit application. They stay on your credit report for up to two years.
  
  A soft inquiry can appear on your credit report when a company or person receives limited information to make a promotional offer or check your credit as a screening process. A soft inquiry also occurs if you pull your own credit report using a monitoring service or get it directly from the credit reporting agency. Only you can see soft inquires on your credit report.
Will my status as a human trafficking victim be visible on my credit report or shared with anyone?

Information about your human trafficking victim status and/or any documentation you share with us as part of your request to remove information from your credit report will not be shared with anyone or be a part of your credit report. If you choose to add a fraud alert to your credit report, information that you may have been a victim of identity theft may be included in your credit report.
I submitted a human trafficking request. Why is the information still on my file?
We understand this can be frustrating. However, if information still appears on your file, it may mean:
- We’re still processing your request.
- We determined your request was missing essential information and/or documentation that we need to process your request and have sent you a letter.
If you have specific questions about the status of your request, you can call us at 833-982-4057.

Get access to your one-time credit score for 30 days and learn what key factors make up your score.

Step 1 of 3 Tell us about yourself

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?

Credit Reports for the Vision Impaired

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 am I being asked to verify my email address?

Why might I not be receiving emails from TransUnion and what can I do about it?

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 a Public Health Emergency?

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?

How do I get my results?

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

Why is my dispute "previously verified"?

I submitted my dispute via phone or mail. How will I receive my results?

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?