TransUnion is committed to making your experience as easy and trouble-free as possible.
Website Access Support Team
Available Monday through Thursday: 8:00 a.m. to Midnight,
and Friday through Sunday: 8:00 a.m. to 8:00 p.m., Eastern Standard Time.
Closed on all United States observed holidays.
- Top 3 FAQ
- Credit Freeze
- Credit Basics
- Accessing Your Credit Report
- Logging In
- ID Verification
- Account Information
Top 3 FAQ
Why Freeze my Account?
You have a right to place a security freeze also called a credit freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The freeze is designed to prevent credit, loans, and services from being approved in your name without your consent.
Visit our main Freeze FAQ to learn more.
If I freeze with TransUnion do I need to freeze with the other bureaus?Yes. You can freeze your TransUnion credit report with us, but to freeze your other credit reports you must contact each of the other bureaus, specifically Equifax and Experian.
Will freezing my account affect my credit score?No, freezing your account does not affect your credit score. Your credit score is calculated independently using a number of other factors.
Will a freeze block "pre-approved" offers of credit?
Under the Fair Credit Reporting Act, a Credit Freeze may not block companies from accessing your credit report data for prescreening.
To stop receiving new pre-approved offers of credit or insurance from the major credit reporting companies — TransUnion, Experian, Equifax and Innovis -- opt out here.
For help with other questions about TransUnion Credit Freezes, please visit our main Freeze FAQ.
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
How do I lift or remove my freeze?
Credit ScoreA credit score is a three-digit number calculated from your data-rich credit report and is one factor used by lenders to determine your creditworthiness for a mortgage, loan or credit card. Your score can affect whether or not you are approved as well as what interest rate you are charged. There are many different credit scores and the credit score you view may not be the score used by a particular lender.
Accessing Your Credit Report
Am I eligible for a free credit report?
You are entitled to one free credit report each year from the credit bureaus. To request your TransUnion, Experian, and/or Equifax credit report, please visit www.annualcreditreport.com.
To learn more about your options please go to transunion.com.
You may also be eligible to receive a copy of your TransUnion personal credit report at no charge if:
- Within the last 60 days, you have received an adverse action notice based on information from your TransUnion credit report
- You are unemployed and plan to seek employment within 60 days
- You receive public welfare assistance
- You have reason to believe your TransUnion credit file is inaccurate due to fraud
- Your state offers a free or reduced-price Personal Credit Report
If one of the reasons above applies to you, please go to the main TransUnion.com Disclosure Page and select the option that applies to you.
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:
TransUnion supports 128-bit encryption. In order 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.
What if I forgot my password or username?We offer a login help process that is easy and secure. You will be asked to enter components of your account information to identify yourself. Once we validate that the information entered is accurate, you will be granted access to your account. You will receive an email notification once the process is complete.
How do I change my login information?After you have logged in, click the link to your Profile at the top of the screen, then select the 'My Settings' tab. Here, you can change your password and other account credentials.
How do I choose a good username and password?
When selecting a username, you should pick something you can remember but that is also unique. We suggest using your email address.
Your password should be 8-15 characters in length using numbers and letters; remember it is also case sensitive.
What is a secret question and secret answer?We provide a list of secret questions, and your secret answer is your response to one of the chosen questions. They will help you login if you forget your username or password. For example, if you choose the question: "what city were you born in?" then your secret answer could be "Los Angeles". Make sure the answer is specific enough so it will help you reset your login.
What if I forgot my secret answer?If you forgot your secret answer, please contact our Website Access Support team so that we can help you reset your password by phone.
What is Identity Verification?
The Identity Verification process is an essential part of the TransUnion Interactive website because it protects your privacy by ensuring that your credit information can only be accessed or viewed by YOU.
Identity Verification confirms your identity through a series of questions based on your accounts, personal information, as well as information contained in your credit report. Here's how it works:
- The system presents you with a question based upon 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 will answer as many questions as necessary to successfully confirm your identity.
- When enough correct information about you has been confirmed, you will have access to your online credit report.
- If you need to leave the site to look up some information, you can safely log off and come back later within three days from when you began to continue your identity verification.
- If your identity cannot be confirmed online, you will be given instructions on how to continue.
Is the Identity Verification process really necessary?The protection of your security and privacy are of utmost importance 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 it, an unauthorized party could obtain your most private credit information.
I'm selecting the correct answer(s). Why won't Identity Verification confirm my identity?Identity Verification uses specific information contained in your credit report, and sometimes this information has not been recently updated or the information is inaccurate. For example, you may have recently paid off a loan that has not yet been reported to the credit reporting agency. If you are unable to pass Identity Verification, please follow the instructions provided.
What if Identity Verification asks for outdated information that I no longer have?The system may ask for information about accounts that you may have closed within the past three years. It may be necessary to review your files or contact your previous creditors to request the information. Feel free to contact our Website Access Support team - they will do their best to help confirm your identity.
What if I've tried everything, and Identity Verification still cannot confirm my identity?
Please contact our Website Access Support team at 866-744-8221, available Monday through Thursday: 8:00 a.m. to Midnight, and Friday through Sunday: 8:00 a.m. to 8:00 p.m. Eastern Standard Time.
A team member will attempt to confirm your identity by asking you questions about your credit history. Once your identity has been confirmed, the representative will be able to guide you to complete your freeze request online.
How do I update my email address?The 'My Information' tab under your Profile allows you to easily update your email address. To get there, click the link to your Profile at the top of the screen, then select the 'My Information' tab.
Why would I need to change my email address?If you change your email address, you should update your information with TransUnion. Having your current information in the system allows us to contact you, if necessary, regarding your user account with us. Please note, no one who views your credit report will be able to see the email address you have provided us.
Why can't I change my Social Security Number?If you made a mistake when typing your Social Security Number on the web form, unfortunately you will have to start the process over from the beginning.