Get answers to the most frequently asked questions.

Credentialing FAQs

How do I become credentialed to report data to TransUnion?

Please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com.

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How do I cancel membership with TransUnion?

Please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com. Please have the following pieces of information ready:

  • Company name and address
  • Subscriber Code
  • Invoice Number

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Why was my membership terminated?

Please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com. Please have the following pieces of information ready:

  • Company name and address
  • Subscriber Code
  • Invoice Number

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Data Reporting FAQs

Who can I contact to discuss a reporting scenario and how it will appear on a consumer’s credit report?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the required fields to report to TransUnion?

The required fields for reporting consumer credit information via the Metro 2 format are identified in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604 for download information.

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What is the Metro 2 format?

The Metro 2 format is the industry standard file format for reporting consumer credit information. The Credit Reporting Resource Guide (CRRG) was created by the Consumer Data Industry Association (CDIA) to assist data furnishers with reporting credit information to the credit reporting companies. The CRRG contains detailed information regarding the Metro 2 format. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Where do I go if I have questions regarding the required CDIA Metro 2 format?

Detailed information regarding the required fields for reporting consumer credit information via the Metro 2 format can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What format do I currently use to report to the credit reporting company?

Please contact your Data Reporting Representative or the Service Desk at (800) 813-5604.

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What software company/provider does TransUnion suggest?

TransUnion cannot recommend a software provider. Please use an Internet search engine to find a Metro 2 software provider.

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Our company name, address, phone, or contact person has changed. How do I update this information with TransUnion?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Our Creditor Contact information on the Credit Report is incorrect. Who can we contact to update our information?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What is our TransUnion reporting subscriber code?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We have recently upgraded our credit reporting company reporting to the Metro2 format. Is there anything our organization needs to be aware of prior to sending a test file?

TransUnion advises that any and all data reporting changes be tested prior to loading to TransUnion's database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. Please have the following pieces of information ready:

  • Company name and Address
  • Subscriber Code
  • Batch ID

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My company is upgrading to a new reporting software and I need to ensure that this will not have an impact on my customers. Can you test my credit reporting file prior to my software upgrade?

Yes. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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My company has sold/transferred accounts. How do I properly reflect this on a credit report?

The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting sold/transferred accounts. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We are going out of business. How can we remove our data from your database?

The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting accounts for deletion. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Can I report our business accounts to your database?

The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting business accounts. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How does bankruptcy reporting differ between Metro and Metro 2?

Bankruptcies were reported in the Account Status field in Metro or as a Special Comment code. Metro 2 has an additional field, Consumer Information Indicator (CII), which is designed specifically for reporting bankruptcy information at the consumer level. Detailed information regarding bankruptcy reporting can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How do I report Account Number changes in Metro 2?

The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting account number changes. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How should payment history be reported in Metro 2?

Detailed information regarding how to report Payment History in the Metro 2 format can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the valid Account Type codes that can be reported?

Detailed information regarding valid Metro 2 Account Type codes can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the valid Account Status codes that can be reported?

Detailed information regarding valid Metro 2 Account Status codes can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What value should be reported in the Date of First Delinquency field in Metro 2?

Detailed information regarding how to report the Date of First Delinquency in the Metro 2 format can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Our company is merging with another entity. Do we need to let TransUnion know prior to reporting the new accounts?

Yes, TransUnion advises that any and all data reporting changes be tested prior to loading to our production database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How do I ensure that the complete account number of my institution does not display on credit reports?

TransUnion has the ability to customize account number masking based on your business needs. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How do I ensure that the complete account number of my institution does not display on other creditors’ credit reports, but can still be viewed in full by my company?

TransUnion has the ability to customize account number masking based on your business needs. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We have noticed that there are accounts that are no longer on our system and are not showing as closed at TransUnion. How do we update these accounts to show as closed?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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My institution's accounts are appearing twice on the credit report. Why is this happening and how can it be corrected?

This is most likely the cause of a reporting change to account information which prevented the account from updating appropriately. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can I contact if I have a question about why an account has not updated, does not appear or does not appear correctly on a credit report?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How can I obtain my monthly Statistics and Error Listing?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We have transmitted an incorrect file. Who should be notified to stop or prevent this file from loading to the database?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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The person who handled our reporting left the company, and we don’t know how to report. How do we create the file and send it in?

Please contact your Data Reporting Representative or contact the Service Desk at (800) 813-5604.

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How often can I transmit update files to TransUnion?

Data Furnishers should report consumer account updates once per month, at the end of a billing cycle. If a credit grantor has multiple billing cycles, cycle reporting may be appropriate. Cycle reporting involves reporting a separate file for each of the billing cycles and would require submitting files more frequently than once per month. Each account should only be reported once per month. Notify TransUnion prior to making any changes to your reporting habits. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I would like to begin reporting credit data to TransUnion. How long will the testing process take once I submit a file?

Once credentialing has been completed and a file has been successfully submitted via Electronic Data Transfer (EDT), testing will begin. Testing time can vary if issues need to be corrected and multiple test files need to be submitted. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Once a file is transmitted to TransUnion, how long will it take to update a consumer's file?

Generally, updates will reach a consumer's file within approximately 48 - 72 hours from the time TransUnion completes processing the file.

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When a credit data file is transmitted to TransUnion, will the updates be forwarded to the other credit reporting companies?

No. You will need to report the files to each of the credit reporting companies individually if you want each credit reporting company to receive the updates.

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We are implementing internal system changes that may impact the reporting of our file. Can TransUnion test the data prior to processing it in production?

Yes, TransUnion can test the data prior to loading to production. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can I contact to discuss how to transmit a file for testing?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What is involved with testing a file for a new data provider?

Files submitted by first-time data providers are tested and reviewed to ensure that they are formatted correctly according to the Metro 2 guidelines and adhere to FCRA regulations. Any issues identified during the testing process will be discussed with the data provider prior to loading the data into production. This may result in the need for the data provider to make corrections and submit a new file for review. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the steps involved with being set up to report credit data to TransUnion?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I am unable to open the zip file containing the test results for our review. Who can I contact for assistance?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. Please have your Work Request number available if applicable.

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I need some assistance in understanding the documentation I received containing the test results from our credit data transmission. Who can assist in explaining the materials?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. Please have your Work Request number available if applicable.

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I am unsure which option to check on the Confirmation Document. Who can assist in explaining the different options contained on the Confirmation Document?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. Please have your Work Request number available if applicable.

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How do I ensure that TransUnion has received my credit reporting file?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We want to change the method we currently utilize to transmit our data. Who can we contact to discuss the transmission solutions offered by TransUnion?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can we contact to discuss how to handle the reporting of a new portfolio?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database.

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My company processes data for multiple data furnishers. Who can I speak with to discuss reporting a new customer?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can we contact to discuss how to handle the transition of our in-house reporting platform to a processor?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can we contact to discuss how to handle the transition of our processing from a processer to in-house software?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I need to make a modification to my Program Identifier and Internal Identification Number. Who can I contact to discuss these changes?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database.

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What are the minimum requirements to report data to TransUnion?

Please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com.

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eOSCAR Dispute Support FAQs

What is eOSCAR?

eOSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based, Metro 2 compliant system that has been developed by Equifax, Experian, Innovis and TransUnion. eOSCAR-web was designed to provide you with an online solution for processing Automated Credit Dispute Verifications (ACDVs) and Automated Universal Data forms (AUDs). Please call (866) MY-OSCAR or (866) 696-7227 or visit www.e-oscar.org.

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Is there a charge to use the eOSCAR system?

Please call (866) MY-OSCAR or (866) 696-7227 or visit www.e-oscar.org.

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How do we register with eOSCAR?

Please call (866) MY-OSCAR or (866) 696-7227 or visit www.e-oscar.org.

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We are registered for eOSCAR, why are we still receiving paper Consumer Dispute Verification forms in the mail?

Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

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We are attempting to register for eOSCAR and the application is requiring a TransUnion Reporting Subscriber code: Can you please provide this code?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We received a dispute and have questions on how to respond?

Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

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How do we update a tradeline we reported incorrectly on our automated data transmission?

An individual tradeline can be modified via the eOSCAR platform using the AUDF process. Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance. Once the request has been processed, please allow 24-48 hours for updates to take effect. Also be sure to make the same correction in the monthly reporting file.

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After I submit an AUDF via eOSCAR, when can I expect to see the update reflected on TransUnion's database?

Once the request has been processed, please allow 24-48 hours for the updates to take effect. For additional information, please contact our eOSCAR Support Group (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

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Can we add a new tradeline via our eOSCAR platform?

No, tradelines cannot be added but they can be modified via eOSCAR. Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

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Can we send our updates via the eOSCAR platform instead of creating and sending our monthly file electronically?

The AUD section of the eOSCAR platform was designed to make a change to an individual tradeline when necessary. Changes made via eOSCAR must also be made to your monthly reporting file. It is recommended you report your full portfolio via our automated data reporting process in the Metro 2 format. Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

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Can I modify my institution's phone number and address in eOSCAR?

Yes, you may modify your phone and address through eOSCAR but you must also contact your Data Reporting Representative for modification to the address and phone in the Data Reporting system. If you do not know who your Data Reporting Representative is, please contact the Service Desk at (800) 813-5604.

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We are locked out of eOSCAR and need to change administrators. How do we accomplish this?

Please contact our eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for assistance.

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Who should a consumer contact with questions or regarding a dispute on a TransUnion credit report?

If you are a consumer inquiring about an account and how it is reporting on your TransUnion credit report, please contact Consumer Relations at (800) 916-8800.

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We requested an update/deletion to an account via eOSCAR: Can you take a look at the consumer’s credit report and tell me if the change/deletion has been made?

Please utilize TransUnion's Account Reporting Review product to verify that the account change has been made to the file. You may also contact the eOSCAR Support Group at (610) 546-4762 or email eOSCARsupt@transunion.com for verification.

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Public Records FAQs

How does TransUnion receive public record information?

TransUnion obtains public record information from U.S. courts. For questions regarding public records, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How often does public record information get reported?

Public Record information is received 5 days a week.

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Which courts does TransUnion receive public record information from?

Public records are obtained from federal bankruptcy courts as well as state-level courts.

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Who can I contact if I have a question about why a public record or judgment filed against a consumer has not updated, does not appear, or does not appear correctly on a credit report?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Support Team FAQs

How can we purchase the Account Reporting Review product?

Please contact your TransUnion Sales Representative to request this product. If you are unsure who your representative is, please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com.

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We received an invoice from TransUnion. Who can I contact for an explanation regarding the invoice?

Please reference your invoice from TransUnion and contact your Sales Representative. If you are unsure who your representative is, please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com.

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I am reviewing a TransUnion credit report and have questions. Where can I obtain information relating to understanding the credit report?

Please contact your TransUnion Sales Representative. If you are unsure who your representative is, please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com.

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Who is our TransUnion Sales Representative?

Please reference your invoice from TransUnion and contact your Sales Representative. If you are unsure who your representative is, please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com. Please have the following pieces of information ready:

  • Company name and Address
  • Subscriber Code
  • Invoice Number

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How do I find out what my membership (Inquiry) code is?

All questions pertaining to Inquiry codes should be directed to your Sales Representative. If you are unsure who your representative is, please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com. Please have the following pieces of information ready:

  • Company name and Address
  • Invoice Number

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I have questions pertaining to contracts; who should I contact?

Please contact your Sales Representative. If you are unsure who your representative is, please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com. Please have the following pieces of information ready:

  • Company name and Address
  • Subscriber Code
  • Invoice Number

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What is the phone number for your Fraud Department?

The Fraud Department can be reached at (800) 680-7289.

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What is the phone number for consumers to opt-out of pre-screen offers with TransUnion?

The phone number to opt-out of pre-screen offers is (888) -5OPTOUT (888-567-8688). This can also be done online at this website: www.optoutprescreen.com, or via mail at this address:

TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

When mailing your written request, include the following information:

  • First, middle and last names (including Jr., Sr., III)
  • Current address
  • Previous address (if you've moved in the last six months)
  • Social Security number
  • Date of birth
  • Signature

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Technical Support FAQs

What are the different options for printing a credit report?

To find out your options for printing a TransUnion credit report, please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

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I need assistance submitting a file via the secured website.

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I am unable to access https://datagateway.transunion.com.

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Does TransUnion accept zipped files?

Yes, TransUnion can accept zipped files in the Metro 2 format.

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We need our password for the datagateway.transunion.com website. Can you please provide this information?

Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Why am I not receiving a file when pulling a credit report? Does this consumer have a freeze on their report?

For questions related to credit report output, you may contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Time, or via e-mail at TUCTS@transunion.com.

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What are the differences between the various scoring models?

For questions related to TransUnion's scoring products, please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

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Our company currently obtains credit reports through a reseller. How can we pull credit reports directly from TransUnion?

For more information for obtaining credit reports directly from TransUnion, please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

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Who can I contact at TransUnion for general product questions?

For questions related to TransUnion's products, please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

Who can I contact if I have forgotten my password and login ID for TU Desktop?

Please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

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Can you provide some guidelines regarding data input when trying to pull a consumer's credit file?

To ensure greater success in receiving a credit file, it is recommended that as much consumer-identifying data is supplied as possible: For further information, please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

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I am receiving an error code when pulling a credit report. What does this error code mean and how can I resolve the issue?

Please contact TransUnion Client Technical Services at (800) 985-4208 between the hours of 8 a.m. - 5 p.m. Central Standard Time. You may also send an email to TUCTS@transunion.com.

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Can you provide the phone number for True Credit?

You can reach a Customer Service Team member Monday through Thursday, 8 a.m. to Midnight, Friday through Sunday, 8 a.m. to 8 p.m. Eastern Standard Time toll-free at (800) 493-2392.

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