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Credit Reports and Disclosures FAQs

Get answers to the most frequently asked questions.

How can I get my free annual credit report?
Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one Free Annual credit report from each of the three major credit reporting companies in a 12-month period. To request this Free Annual Credit Report, you may contact the Central Source online at www.annualcreditreport.com.

or

Request your credit report by phone:
Call 877-322-8228. You will go through a simple verification process over the phone. Your reports will be mailed to you.

or

Request your credit report by mail:
Request your credit report by mail by filling out the Request for Disclosure form and mailing it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

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Why haven't I received the TransUnion Credit Report that I ordered by calling 800-888-4213?
Please allow 5-7 business days from the date your telephone order was placed to receive your TransUnion Credit Report by mail. If you have not received your credit report within that time, verify your order by calling 800-888-4213. The automated system will notify you if your report has been ordered in the last 10 days or if you need to complete a new order for your report. You may also call 800-916-8800 to speak to a representative.

Your report request should be mailed to:

TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Please include your:
  • First, middle and last name (including Jr., Sr., III)
  • Current address
  • Previous addresses in the past two years, if any
  • Social Security Number
  • Date of birth
  • Current employer
  • Phone number
  • Signature

Note: To protect the confidentiality of your personal credit information, we do not process report requests by email. Please contact us by mail if you have other ordering questions, including those related to requests for additional identifying information from you to complete your order.

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Why must I use a credit card with the same billing address as my home address?
When you order your TransUnion Credit Report online, for security we require that you use a credit card with the same billing address as the home address used to confirm your identity. It is one of the protective procedures used to secure your sensitive information. If you want to order your TransUnion Credit Report but do not have a credit card that meets this online identity verification requirement, you can order by mail.

Send your request to:

TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Please include your:
  • First, middle and last name (including Jr., Sr., III)
  • Current address
  • Previous addresses in the past two years, if any
  • Social Security Number
  • Date of birth
  • Current employer
  • Phone number
  • Signature
  • A check or money order payable to TransUnion for the applicable fee

If you want to add your TransUnion VantageScore to your order, please include an additional $9.95 with the cost of the TransUnion Credit Report. You may also order your TransUnion Credit Report by calling 800-888-4213.

Under certain circumstances, you may be entitled to a TransUnion Credit Report at no charge or a reduced fee. Find out if you are eligible and how to order by mail at https://disclosure.transunion.com

Note: To protect the confidentiality of your personal credit information, we do not process credit report requests by email. Please contact us by mail if you have other ordering questions, including those related to requests for additional identifying information from you to complete your order.

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What is the cost for a TransUnion Credit Report and Credit Score?
The price for a TransUnion VantageScore online is $9.95, or $9.95 for a hard copy for all states plus the applicable cost of the TransUnion Credit Report. The cost of a TransUnion Credit Report varies based on where you live.

As a resident of the following states, you are eligible for a free or reduced-fee TransUnion Credit Report:

State
1st Request
2nd Request
Additional
Time Frame
California
$8.00
$8.00
$8.00
Any time
Colorado
Free
$8.00
$8.00
Calendar year
Connecticut
$5.00
$7.50
$7.50
12-month
Georgia
Free
Free
Free
Any time
Maine
Free
$5.00
$5.00
12-month
Maryland
Free
$5.00
$5.00
12-month
Massachusetts
Free
$8.00
$8.00
Calendar year
Minnesota
$3.00
$3.00
$3.00
Any time
Montana
$8.50
$8.50
$8.50
Any time
New Jersey
Free
$8.00
$8.00
12-month
Puerto Rico
Free
Free
Free
Any time
Vermont
Free
$7.50
$7.50
12-month
Virgin Islands
$1.00
$1.00
$1.00
Any time

You have three options for purchase and delivery of your TransUnion Credit Report:

Online:
https://disclosure.transunion.com.
Phone:
800-888-4213
Mail:
Send your request to:
TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Please include your:
  • First, middle and last name (including Jr., Sr., III)
  • Current address
  • Previous addresses in the past two years, if any
  • Social Security Number
  • Date of birth
  • Current employer
  • Phone number
  • Signature
  • A check or money order payable to TransUnion for the applicable fee

If you want to add your TransUnion VantageScore to your order, please include an additional $9.95 with the cost of the TransUnion Credit Report. You may also order your TransUnion Credit Report by calling 800-888-4213.

Under certain circumstances, you may be entitled to a TransUnion Credit Report at no charge or a reduced fee. Find out if you are eligible and how to order by mail at https://disclosure.transunion.com.

Note: To protect the confidentiality of your personal credit information, we do not process credit report requests by email. Please contact us by mail if you have other ordering questions, including those related to requests for additional identifying information from you to complete your order.

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What is the difference between a consumer disclosure and a credit report?
Consumer disclosure: Only you have access to your consumer disclosure. A consumer disclosure of a credit report lists all inquiries including promotional inquiries, account review inquiries and some suppressed information. Creditors do not have access to this version. The consumer disclosure version also shows you some accounts that have been suppressed from appearing on your credit reports at a creditor’s request, if applicable.

Credit report: The credit report, also called the “business version” of your credit report, is an abbreviated version of the TransUnion consumer disclosure available to you. This is the version of your credit report that creditors see. The credit report version does not contain promotional inquiries or account review inquiries, or any suppressed information.

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