fraud.transunion.comTransUnion Online Service Center | Online Freeze, Dispute, Fraud Alert, Credit Report, and Score

TransUnion Logo Return to homepage Support Sign Up TransUnion Logo Return to homepage Menu Support Sign Up Login Menu TransUnion Logo Return to homepage Sign Up Member LoginSupport Terms of Use Privacy You are now logged out. Welcome to the TransUnion Service Center Log in or create a user account to manage your TransUnion credit information. Username Username can contain the following special characters: underscore, dash, at symbol, period, asterisk Password Hide Show Password can have special characters Log in Create Account Forgot Login Information By logging into this site, you agree to the TransUnion Terms of Service and expressly authorize TransUnion to obtain your credit report information. What can I do on this site? Log in or create a user account to manage your TransUnion credit information. Do I already have access? If you recently updated a TransUnion credit freeze or fraud alert online, or if you requested a dispute online, you should have an existing username and password that will work on this site. Credit Freeze Control who can access your credit information. Tell Me More A credit freeze prevents lenders from checking your credit in order to open a new account. A freeze may also prevent your information from being released for other inquiries. Under federal law, there are certain situations where a freeze won’t stop someone from checking your credit, such as for underwriting insurance or credit monitoring services you subscribed to. If you have a freeze on your credit report, you will need to lift or remove it before you apply for credit. Dispute Investigate and fix possible inaccuracies on your credit report. Tell Me More If you see an item on your TransUnion credit report that you think is inaccurate, you can start a dispute and we’ll investigate it. You can use this site for most dispute requests, such as disputes related to accounts and public records, disputes to delete inaccurate personal information and requests to add a Consumer Statement to your TransUnion credit report. You can also upload supporting documentation for account disputes here. Fraud Alert Notify lenders to take extra steps to verify your identity. Tell Me More A fraud alert helps protect you from possible credit fraud by requiring lenders to take extra steps to verify the identity of anyone applying for credit in your name. You can also remove an existing fraud alert, renew a fraud alert or change the phone number(s) where lenders can contact you to verify you’re the one applying for credit. Credit Report Request a free TransUnion credit report. Tell Me More Your TransUnion credit report is a record of your credit activity and history. It includes credit inquiries, open and closed credit accounts, your payment history and bankruptcies (if applicable). In addition to credit data, your credit report also contains personal information such as your current and former address(es), names and employers. When you access your credit report on this site, you will have the option to purchase your credit score. You can currently access your TransUnion credit report on this site once every 24 hours. Learn more about credit reports and scores. Consumer Statement Add a note to your credit report if you want to provide additional context to explain your financial situation to anyone who views your credit report. We provide several pre-written options you can choose from, or you can also write a statement in your own words. Add a note to your credit report about COVID-19’s impact or other financial considerations related to your credit report. If you already have a dispute in process, you can still add or remove your consumer statement on this site. Data Privacy Requests You have certain privacy rights under US state laws. When you create an account, you’ll be able to log back in anytime to check your request status, and you won’t have to reconfirm your identity each time you want to make a request. Plus, you’ll get your results online. *Please note: Once you sign up for an account, you’ll need to sign in to submit most future online data privacy requests, or call us at 866-310-8783 . Create An Account Prefer not to create an account? You don’t have to create an account to submit a data privacy request. If you don’t create an account: You’ll only be able receive your results by mail. You won’t be able to see options to freeze or dispute something on your TransUnion credit report in the same transaction. Use our Opt-Out form to submit a request to opt-out or limit the use of data by TransUnion without logging in. To request access, deletion or correction of personal information without setting up a user account, continue as a guest to start a data privacy request, or call us at 866-310-8783 . For more information on your data privacy rights, please visit our consumer privacy page . FAQ Credit Report & Score Basics Logging In ID Verification Account Information Freeze Understanding My Credit Report Understanding Credit Scores Preparing for a Dispute Using the Dispute Feature Uploading Supporting Documents for Disputes Waiting for Dispute Results Understanding Dispute Results Adding a Fraud Alert Editing, Renewing or Deleting a Fraud Alert Making a Consumer Data Privacy Request Data Privacy Request Choices & Results 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...