Your free daily credit reports (and scores)*

With daily TransUnion credit report & score refreshes, you’re getting the latest-available information with each login.

See a clear letter grade for each major factor impacting your score. See what you’re doing right and what you could be doing better.

Get notified when there are critical TransUnion credit report changes — such as late payments, new accounts opened, hard inquiries. You also get notified when there are critical credit score changes.

Get credit product recommendations tailored to your credit. Easily browse and compare a list of personalized credit card offers based on your TransUnion profile. See your chances of approval and where to apply for a given credit card.

Browse and compare offers to find better rates and/or refinancing options.

Manage TransUnion credit freezes, disputes, fraud alerts and more. Creating a TransUnion Service Center account is free.

Your credit report is a record of your financial history. It includes hard credit inquiries, open and closed credit accounts, your payment history and bankruptcies (if applicable). It also contains personal information such as your current and former address(es), names and employers. All this information is part of your data identity. By managing it regularly, you can help ensure you’re accurately represented in the modern economy so you can get the credit opportunities you desire. 

A credit report includes your personal information, like your date of birth, current and former addresses, names and employers, public records which include bankruptcies, open and closed credit accounts, collections and credit inquiries. If you choose to add a consumer statement to your credit report, it will appear on it as well. 

A consumer disclosure is a personal credit report that only you can access. It includes all the information a lender would see if they pulled your credit report, along with all soft inquiries and any information that has been suppressed. A lender may suppress information if it was the result of fraud.

The credit report pulled by a lender or company is a shortened “business” version of your report. It doesn’t include soft inquiries or suppressed information. 

When you have a financial account with a lender, they may submit account information to at least one of the three nationwide credit reporting agencies — TransUnion, Equifax and Experian. That information includes information about your account such as statuses and balances, as well as personal information such as name, address, employer and Social Security number. Additionally, when a lender checks your credit report in response to a credit application you submitted, that hard inquiry may be reported to the credit reporting agencies and show up on your credit report.

Many lenders send updates to the credit reporting agencies every 30 days, but it may take up to 45 days. However, some lenders may send updates more frequently than this. You can ask them how often they do so.

It’s also important to note that lenders report at different times of the month, so you might see slight differences in your reports, and therefore your credit scores, at any given time.

Just because a hard inquiry on your credit report doesn’t look familiar, that doesn’t mean it’s unauthorized or inaccurate. Double check if you applied for new credit recently to figure out if you gave a potential lender permission to access your report. If a hard inquiry is the result of fraud, it can be removed from your report. If you think a hard inquiry on your credit report is unauthorized, you can learn about what you can do here.

Typically, negative information falls off your credit report 7 years after the date of first account delinquency. This includes late payments and collections. Bankruptcy information stays on your report for up to 10 years from the date filed, but it can be less depending on the type of bankruptcy.

You can’t remove a closed account from your credit report because it’s part of your credit history, which shows lenders how you’ve managed your financial responsibilities. Closed accounts with a positive history will typically appear on a credit report for 10 years, while those with a negative history (such as late or missed payments) generally stay on your report for 7 years. Check out our blog article for more information.

If there are any inaccuracies reported about your closed account, you can submit a dispute.

If you’ve mistakenly been reported as deceased on your TransUnion credit report, please call us at 800-916-8800 and we’ll help get this resolved right away.

You can also submit a dispute online to notify us about this error. You can also dispute by phone or mail.

We’re sorry for your loss. Follow the steps below and we will help you update your loved one’s credit report and give you peace of mind:

Step One: Check with the Social Security Administration to ensure that they have updated their files and notified the credit reporting companies. Refer to the internet to find the address and phone number of the nearest Social Security office.

Step Two: Forward a copy of the death certificate to one of the three nationwide credit reporting agencies; the receiving bureau will notify the other two companies. This will allow the credit reporting agencies to add a notation to the credit report that the consumer is deceased. Along with the death certificate, please include the person’s legal name, Social Security number, date of birth and date of death. If the notification is coming from the deceased's spouse, the letter should also include their name and mailing address plus a copy of their identification. If the request is from an executor for the deceased, or someone other than a spouse, we need a copy of identification for the requestor, plus a copy of the will/executor agreement or Power of Attorney documentation.

You can mail your information to TransUnion at:
TransUnion
P.O. Box 2000
Chester, PA 19016

Step Three: Contact all creditors that the deceased person(s) did business with and request that they mark their files accordingly. Be sure to forward a copy of the death certificate to them, once you receive it.

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. Examples of some types of companies that may have access to your report under some circumstances include:

• Landlords
• Utility companies
• Car insurance companies
• Employers
• Government agencies
• Collection agencies
• Other creditors

Every person has a unique financial story, and a consumer statement is an opportunity to tell yours. If you are experiencing a financial hardship related to a public health emergency or your personal circumstances, you can add a consumer statement to your credit report to explain your situation.

We provide several pre-worded options that you can choose from, or you can write your own statement of 100 words or fewer. Please note: Anyone who views your credit report will be able to see your consumer statement. Do not include personal, medical or human trafficking victim status information in your consumer statement.

If you think adding a consumer statement is the right option for you, simply follow these instructions:

• Sign in to the TransUnion Service Center. If you don't have an account, you can create one for free.
• When you're signed in, scroll down to the Manage Your Consumer Statement section.
• Click "Manage My Statement" and then choose one of the provided consumer statement options or write your own statement of 100 words or fewer.
• Add an expiration date for your statement and then click "Save & Continue".
• If you later decide you want to add to or delete your consumer statement, sign in to the TransUnion Service Center to remove it.

Credit reports, and the information in them, are governed by the federal Fair Credit Reporting Act (FCRA), so your credit report can't be deleted.

Being part of the modern economy means lenders will collect your information when you apply for credit. It then may be reported to the nationwide credit reporting agencies to be included in your credit report. Credit reports are a valuable part of your data identity, and retaining this information ensures you can continue to access the opportunities credit can provide.

If you believe there's information on your credit report that's inaccurate, you can dispute it and we'll investigate. You can also add a credit freeze to your credit report to help prevent new accounts from being opened in your name.

If you don’t have a Social Security number, you won’t be able to access your TransUnion credit report online. Please call us at 800-916-8800 or via social media, and we’d be happy to help.

You have rights under the federal Fair Credit Reporting Act (FCRA); view a summary of your rights. In some cases, you may have additional rights under state law or because of your status as a victim of fraud.

You can also read a brief summary of the rights designed to help you recover from identity theft.

As part of the federal Fair and Accurate Credit Transactions (FACT) Act, every U.S. resident is eligible to receive one free credit report every 12 months from each of the nationwide credit reporting agencies – TransUnion, Equifax and Experian. TransUnion offers you free weekly credit reports online. Get your free report now at annualcreditreport.com.

If you’re not getting the resolution you’re hoping for, you can visit our Consumer Support page to contact us for more help.

If you disagree with the results of a dispute investigation, you can file a complaint about the company reporting the item you’re disputing or about TransUnion with the Consumer Financial Protection Bureau or with your State’s Attorney General’s office.

If you think there is something inaccurate on your credit report, you can easily dispute online. Find more information on disputes and learn how to get started here. You can also dispute by phone or mail.

A credit report and credit score are not the same thing, and you usually won’t find your credit score on your report. Your credit report is a record of your credit activity and history, and it makes up an important piece of your data identity. You should manage it wisely so you can get the opportunities you deserve in the modern economy.

A credit score is a number that is calculated based on the information in your report such as credit usage, length of credit history, account mix and new credit accounts.

The score provided by TransUnion is based on the VantageScore^® 3.0 model. Lenders use many different types of credit scores to make lending decisions.

Yes, you can get free daily refreshes for both your credit report and score by enrolling in a free TransUnion Credit Essentials account. You can also get one free weekly credit report from each of the three nationwide credit reporting agencies (TransUnion, Equifax and Experian) at annualcreditreport.com. This free online report doesn’t include your credit score, but you do have the option to purchase a one-time VantageScore^® 3.0 credit score when you get your free credit report by opting in to a free TransUnion Service Center account.

Additionally, your credit score is available online through the TransUnion Service Center for $0.99.

Don’t worry, checking your own credit report is considered a soft inquiry – and those don’t affect your score.

Identity theft is a serious crime where your personal information — anything from your name, driver’s license or Social Security Number — has been hijacked by an imposter to commit fraud in your name. You’re the first line of defense when it comes to protecting your identity. Check your credit reports and financial accounts regularly for any suspicious activity. You can get your credit report here for free weekly from all three nationwide credit reporting agencies. Set up transaction alerts if your bank offers them to notify you of all account activity. Finally, consider adding a fraud alert or credit freeze. For more information, check out our Fraud Victim Resources.

The best thing you can do to address fraud is to act quickly. Contact the TransUnion Fraud Department so our fraud agents can help guide you through your next steps. Freeze your credit to limit access to it and help prevent any new accounts from being opened in your name. Also, check out these great resources on Identity Theft.

Send a copy of a death certificate along with a letter with their legal name, Social Security number, date of birth and date of death to the following address:

TransUnion

P.O. Box 2000

Chester, PA 19016

If you are the spouse of the deceased, state that you are the spouse and include your name and mailing address in the letter. If the notification is from an executor or someone other than a spouse, please include a copy of the requestor’s identification, such as a driver’s license, and a copy of the will, executor agreement or Power of Attorney documentation along with a mailing address.