TransUnion Credit Memberships Help Center

If you haven't received a passcode (text or email) after a few minutes, the message may have been delayed by your email or phone provider. Be sure to check your spam folder or search all other folders in your email account. If the passcode doesn't arrive after 10 minutes, please request a resend of the passcode. If you continue to experience issues with recovering your credentials, please contact us. You may use the following options:

Chat with us online: Click the button at the bottom of your screen

Reach us by phone:

833-543-4353

Hours:

Monday – Friday 8 a.m. – 10 p.m. Eastern Time

Saturday – Sunday 8 a.m. – 5 p.m. Eastern Time

We are closed on all United States observed holidays.

If you no longer have access to the email and/or phone number you used to create your account you will need to contact us. You may use the following options:

Chat with us online: Click the button at the bottom of your screen

Reach us by phone:

833-543-4353

Hours:

Monday – Friday 8 a.m. – 10 p.m. Eastern Time

Saturday – Sunday 8 a.m. – 5 p.m. Eastern Time

We are closed on all United States observed holidays.

The following products below are the ones you can access through the centralized login. Be sure to use the username and password that is associated with that specific product. 

If you do not remember your username or password, you can use our “login help” option located on the login screen. If you do have multiple TransUnion consumer accounts, we may ask you to let us know which product you wish to access to ensure you get to the right place.

TransUnion Service Center 

About this product: 

Submit disputes, manage your credit freeze status, add a fraud alert, or view your credit report.

Don’t have an account? Create one for free. 

Have an account already? Log in now.

TransUnion Credit Essentials and Credit Premium 

About this product: 

Credit Essentials and Credit Premium are our newest TransUnion membership products. Learn more about Credit Essentials.

Have an account already? Log in now.

Legacy TransUnion Credit Monitoring and Legacy TrueIdentity

TransUnion Credit Monitoring and TrueIdentity have permanently shut down. You are no longer able to log in or access your account. You can log in using your same username and password. Contact us if you have questions. 

If you want to access a TransUnion account, and you do not remember the username and password for it, visit our login page and select "Login a different way." Then, follow the steps there. Once we are able to locate your account, we will attempt to verify your identity and then log you in to your account. 

If you have multiple TransUnion accounts, we may ask you to let us know which product you wish to access to ensure you get to the right place. 

Alternatively, you can follow our login help process to retrieve or update your login credentials. 

If you need to reset your password for your TransUnion account(s), visit our login page and select “Login help” then select "I forgot my password, username, or email." After that, enter the phone number or email address that's associated to your account and follow the steps. 

If we are successfully able to verify your identity, you’ll first see a screen showing your account username and/or email address. Then, you will be asked if you would like to reset your password. Click that and proceed through the process. 

If you have multiple TransUnion accounts, we may ask you to let us know which product you wish to access to ensure the correct password is updated. 

To retrieve your email address and/or username, visit our login page and select “Login help” then select "I forgot my password, username, or email." After that, enter the phone number or email address that's associated to your account and follow the steps.  

If we are successfully able to verify your identity, you’ll see the account username and/or email address associated to the information you provided. On this same screen, you will be asked if you would like to reset your password as well. If you do not need to reset your password, you can return to the login page to log in. 

If you have multiple TransUnion accounts, we may ask you to let us know which product you wish to access to ensure the correct username or email address is shown.

Yes, you can. If you need to access your service but would rather do it by using your personal information, you can do so by visiting our login page and selecting “Login a different way.” This process will ask for your personal information to help us locate your account. If we are successful, we will then need to verify your identity. If we are able to verify your identity, you should be able to access the product.  

If you do have multiple TransUnion consumer accounts, we may ask you to let us know which product you wish to access to ensure you get to the right place.

TransUnion is providing a centralized login location and experience for our consumers to access their products. The "Logging In" section of this FAQ site is applicable to consumers wanting to access their active accounts for any of the following products:

TransUnion Service Center 

About this product: 

Submit disputes, manage your credit freeze status, add a fraud alert, or view your credit report.

Don’t have an account? Create one for free. 

Have an account already? Log in now.

TransUnion Credit Essentials and Credit Premium 

About this product: 

Credit Essentials and Credit Premium are our newest TransUnion membership products. Learn more about Credit Essentials.

Have an account already? Log in now.

Legacy TransUnion Credit Monitoring and Legacy TrueIdentity

TransUnion Credit Monitoring and TrueIdentity have permanently shut down. If you had those products, your account has been moved to TransUnion Credit Essentials or TransUnion Credit Premium. You can log in using your same username and password. Contact us if you have questions.

If you were a part of a transition from one of our other products, you should have received an email from TransUnion. Please check your inbox for an email from TransUnion with the subject line “Changes are coming to your TransUnion Account.”

You can also reference the following pages:

• If you were migrated to a TransUnion Credit Essentials (Free) account, then you can read these FAQs for more helpful information.

• If you were migrated to a TransUnion Credit Premium (Paid) account, then you can read these FAQs for more helpful information.

You can also check if your account was recently transitioned by logging in to it here. If we detect that your account(s) has been migrated, we will let you know. 

You can also try the “Log in a different way” option to see if your account(s) has been migrated. Please note, in this option, we will need to verify your identity to help us locate your account(s). If your account(s) has not been migrated, and we are able to verify your login credentials and identity, then you will be directed to the old TransUnion product. If your account(s) has already been transitioned, you will be directed to either TransUnion Credit Essentials or Credit Premium, depending on your old account.

If you have any other questions about migrations, contact us. You may use the following options:

Chat with us online: Click the button at the bottom of your screen

Reach us by phone:

833-543-4353

Hours:

Monday – Friday 8 a.m. – 10 p.m. Eastern Time

Saturday – Sunday 8 a.m. – 5 p.m. Eastern Time

We are closed on all United States observed holidays.

If you were recently transitioned (migrated) to TransUnion Credit Essentials or Credit Premium from an older product, that older product account is no longer available to you. This includes the following:

TransUnion Credit Monitoring

About this product: 

This was our legacy paid subscription that came with TransUnion credit report & score access, 3-bureau monitoring & alerts, and personalized credit education tools.

TrueIdentity 

About this product: 

TrueIdentity was our legacy basic identity protection product.

zendough 

About this product: 

zendough was another one of our legacy credit monitoring products.

If you had access to one or more of these products, you should have received an email from us with information about the transition. Please check your inbox for an email from TransUnion with the subject line “Changes are coming to your TransUnion Account.”

You can also reference the following pages: 

• If you were migrated to a TransUnion Credit Essentials (Free) account, then you can read these FAQs for more helpful information.
• If you were migrated to a TransUnion Credit Premium (Paid) account, then you can read these FAQs for more helpful information.

If you have any other questions about migrations, contact us. You may use the following options: 

Chat with us online: Click the button at the bottom of your screen

Reach us by phone:

833-543-4353

Hours:

Monday – Friday 8 a.m. – 10 p.m. Eastern Time

Saturday – Sunday 8 a.m. – 5 p.m. Eastern Time

We are closed on all United States observed holidays.

If you would like to learn more about the features available in TransUnion Credit Essentials, check out this page. If you have access to TransUnion Credit Essentials and/or Credit Premium today, you can log in and explore the product features yourself. 

If you were recently transitioned (migrated) to a TransUnion Credit Essentials (free) account, then please review these features here. 

If you were recently transitioned to a TransUnion Credit Premium (paid) account, then please review these features here. 

To update your payment information, log in to your account and go to Settings and then click “Membership Details.” Scroll to the bottom of the page. Then, you will see a place for updating your payment information. 

If there are any issues with the payment card you have on file, we will send you notifications via email. We will also display reminder notifications inside the logged in TransUnion Credit Premium homepage. You will also temporarily lose the ability to refresh your quarterly 3-bureau credit reports. If payment is not received within 21 days, your premium subscription will be downgraded to a free membership, and you will lose access to all premium-only features.

If you would like to cancel your Credit Premium subscription, you can do it online or by calling TransUnion. 

To cancel online, log in to your account and click "Settings" in the main menu area. Then, click “Membership Details” and scroll to the bottom to find the option to cancel.

To cancel over the phone, call (833) 543-4353. Agents are available Monday-Friday from 8am – 9pm Eastern Time, and Saturday-Sunday from 8am – 6pm Eastern Time. The call center is closed on all United States observed holidays.

If you no longer want a free membership to our Credit Essentials product, you have an option to delete your account. To do this, you can log in to your account and then click "Settings" in the main menu area. Then, click “Membership Details” and scroll to the bottom to find the “delete account” option. Follow the instructions there to delete your membership. 

If you were using our free TransUnion Service Center (where you can manage a dispute, place a credit freeze or manage a fraud alert), you will still be able to access the TransUnion Service Center by using the same login information as you did with Credit Essentials. Deleting your Credit Essentials account does not mean we will delete your TransUnion Service Center account. Once your Credit Essentials account is deleted, you can continue to use the same login page to access TransUnion Service Center.

If you would like to learn more about the features available in TransUnion Credit Essentials, check out this page. If you have access to TransUnion Credit Essentials and/or Credit Premium today, you can log in and explore the product features yourself.

If you were recently transitioned (migrated) to a TransUnion Credit Essentials (free) account, then please review these features here.

If you were recently transitioned to a TransUnion Credit Premium (paid) account, then please review these features here.

If you were recently part of our account transitions to TransUnion Credit Essentials or Credit Premium, we communicated price changes via email if you were impacted. We recommend checking your email for this message as well as reading these FAQs: 

• If you were migrated to a TransUnion Credit Essentials (Free) account, then you can read these FAQs for more helpful information.

• If you were migrated to a TransUnion Credit Premium (Paid) account, then you can read these FAQs for more helpful information.

If you would like to learn more about the features available in TransUnion Credit Essentials, check out this page. If you have access to TransUnion Credit Essentials and/or Credit Premium today, you can log in and explore the product features yourself.

If you were recently transitioned (migrated) to a TransUnion Credit Essentials (free) account, then please review these features here.

If you were recently transitioned to a TransUnion Credit Premium (paid) account, then please review these features here.

The TransUnion Credit Lock feature has been officially deactivated in TransUnion’s products. However, we offer a free option that works just as well—a “credit freeze.”  

A credit freeze, also known as a security freeze, is the best way to help prevent new accounts from being opened in your name. It’s absolutely free to freeze, unfreeze and temporarily lift a freeze on your credit, and it won’t affect your credit score. Learn more about credit freeze.

As a TransUnion Credit Essentials or Credit Premium member, you can access credit freeze directly on your logged-in homepage. All you need to do is click any of the TransUnion Service Center options, and we will automatically direct you there. Please note this capability is only available on the web version of the experience

If you do not have a TransUnion Credit Essentials or Credit Premium membership, you can still access the TransUnion Service Center. Simply create a free TransUnion Service Center account if you don’t already have one. If you already have a TransUnion Service Center account, you can log in using that username and password.

If you were part of a transition (migration) from one of our other products that had Credit Lock, you should have received an email from TransUnion. Please check your inbox for an email from TransUnion with the subject line “Changes are coming to your TransUnion Account.” 

You can also reference the following pages: 

• If you were migrated to a TransUnion Credit Essentials (Free) account, then you can read these FAQs for more helpful information.

• If you were migrated to a TransUnion Credit Premium (Paid) account, then you can read these FAQs for more helpful information.

We do not have a credit score simulator. However, only our Credit Premium subscription plan offers an educational tool called the “Credit Score Estimator”. The Credit Score Estimator is an educational tool that can help you understand how specific credit choices may affect credit scores. Use it to experiment with certain choices and see their possible positive or negative impacts on your score.

Yes, but only for our Credit Premium subscription plan. Credit Premium offers Identity Monitoring, which includes Dark Web monitoring & alerts and restoration services (including $1,000,000 ID theft insurance) if your identity is stolen.

If you were recently transitioned (migrated) to a TransUnion Credit Essentials (free) account, then please review these features here.

If you were recently transitioned to a TransUnion Credit Premium (paid) account, then please review these features here.

If you are a Credit Premium member and are reviewing your 3-Bureau credit reports, please remember that your TransUnion report refreshes daily while Equifax and Experian are refreshed quarterly. This means some information can be different.

If something in your credit report looks inaccurate, you do have the power to dispute certain pieces of information. We recommend you learn more about what you can dispute here before taking action. Once you’re ready, you can request a dispute in our TransUnion Service Center. Remember, you can navigate to the TransUnion Service Center directly from your logged in homepage. To dispute an item on your Equifax or Experian reports, you’ll need to contact them directly.

Offers that appear as part of the Membership are provided by TransUnion's Offers Provider, Bankrate, LLC. Bankrate is a financial services marketplace and advertising platform that provides consumers with access to offers and information from financial product providers.

As a TransUnion Credit Essentials or Credit Premium member, just log in to your account and click the dispute or freeze option tiles located under the “Manage your Credit” section available to you on the homepage. Whether this is your first time accessing the Service Center or you are a returning user, we will transfer you over to the Service Center so you can manage a dispute, freeze, or fraud alert. Please note this capability is only available on the web version of the experience. 

If you are attempting to access the Service Center from our mobile app, you will be directed to our web version via your mobile browser where you can log in again using your TransUnion Credit Essentials or Credit Premium account information.

See below to learn more about some important credit tools that the TransUnion Service Center has:  

Disputes

Credit Freeze

Fraud Alerts

The TransUnion Credit Lock feature has been officially deactivated in TransUnion’s products. However, we offer a free option that works just as well—a “credit freeze.”  

A credit freeze, also known as a security freeze, is the best way to help prevent new accounts from being opened in your name. It’s absolutely free to freeze, unfreeze and temporarily lift a freeze on your credit, and it won’t affect your credit score. Learn more about credit freeze.

As a TransUnion Credit Essentials or Credit Premium member, you can access credit freeze directly on your logged-in homepage. All you need to do is click any of the TransUnion Service Center options, and we will automatically direct you there. Please note this capability is only available on the web version of the experience.

If you do not have a TransUnion Credit Essentials or Credit Premium membership, you can still access the TransUnion Service Center. Simply create a free TransUnion Service Center account if you don’t already have one. If you already have a TransUnion Service Center account, you can log in using that username and password.

If you were part of a transition (migration) from one of our other products that had Credit Lock, you should have received an email from TransUnion. Please check your inbox for an email from TransUnion with the subject line “Changes are coming to your TransUnion Account.”

You can also reference the following pages: 

• If you were migrated to a TransUnion Credit Essentials (Free) account, then you can read these FAQs for more helpful information.

• If you were migrated to a TransUnion Credit Premium (Paid) account, then you can read these FAQs for more helpful information.

During enrollment, we will ask for your consent to send you text messages at certain times. These messages will help us confirm your identity, send you some credit monitoring alerts, and alerts related to your account. 

After providing consent, you may continue to receive messages (including SMS). You may opt-out by replying “STOP” or by calling 833-543-4353. For assistance, text “HELP” or call 833-543-4353. 

Message and data rates may apply, and frequency may vary.

We offer the option to send you email notifications for offers and savings, credit education, and credit monitoring. You will have the option to turn on or turn off the types of emails you’d like to be notified about. Those can be found under the “Settings” and “Notifications” tab in the main menu.

You can change your preferences for any non-account related emails without logging in to your account. All you have to do is click the “unsubscribe” link at the bottom of an email you have received from us.

You can unsubscribe from SMS (text message) alerts by replying to the text message with "STOP” and then you will receive confirmation. You will have the option to turn on or turn off SMS (text messages) under the “Settings” and “Notifications” tab in the main menu.

If your account was transitioned from another TransUnion product, please note we opted you out automatically from receiving text message alerts. If you’d like to opt back in, you’ll be able to do so in the logged in experience under the “Settings” and “Notifications” tab located in the menu.

Yes, you can. If you have not already been transitioned (migrated) to it from another TransUnion product, you can learn more here.

Yes, you can. If you have not already been transitioned (migrated) to it from another TransUnion product, you can learn more here.

Yes, you can sign up for the TransUnion Service Center for free. The TransUnion Service Center is our free online service where you can manage credit freezes, fraud alerts, disputes and your TransUnion credit report. You can create a free account here.

TransUnion Credit Essentials is TransUnion’s free credit monitoring subscription. TransUnion Credit Premium is our paid subscription-based credit monitoring service that offers additional features. 

The TransUnion Service Center is a website where you can dispute, manage a credit freeze, add a fraud alert or view your credit report after creating a free account.

Yes, our new mobile app for TransUnion Credit Essentials and Credit Premium is available for iOS and Android devices. You can download it from the App Store or Google Play store now. 

Your privacy is our priority. We follow strict security practices and utilize encryption and other advanced tools to protect member account information. For more details, please review our privacy policy.

TransUnion is committed to data privacy and providing a simple and secure process for consumers to manage their personal information. Consistent with U.S. federal and state laws, you can manage your personal information here.

Only our TransUnion Credit Premium subscription offers Identity Monitoring, which comes with dark web monitoring & alerts, plus restoration services if your identity is stolen.

If somebody has stolen your personal information or identification documents and you have a TransUnion Credit Premium subscription, log in and contact our Restoration Representatives. You can find this by navigating to the $1M ID Theft Insurance option in your main menu and then clicking the “Full Service ID Restoration” tab where you will see more information.

Whether you have a TransUnion Credit Premium subscription or not, here are some steps you can take:

1. Lock down the compromised account. If you know where the theft occurred, then contact that organization, dispute the charges, and ask to lock or close the account.

2. Sign up for a credit monitoring service if it is available to you. The number of breaches reported in 2024 totaled 3,158 with over 1.3B victim notices getting sent out to people (Source: Identity Theft Resource Center). If you receive a breach alert, read it carefully. If it includes an offer of free credit monitoring, sign up.

3. Read your credit card and bank statements to look for unauthorized charges. Review all of your accounts. If you see any activity that you don’t recognize, contact your financial institution and work with them to safeguard your account.

4. Request a credit report from all three major reporting agencies . You are entitled to at least one free credit report per week from each agency (TransUnion^®, Experian^® and Equifax^®). You can request them at this official site: AnnualCreditReport.com. Review your reports to look for any accounts you don’t recognize, which could indicate potentially fraudulent activity.

5. Contact the Federal Trade Commission (FTC). To file a report of a stolen identity, go to IdentityTheft.gov or call 1-877-ID-THEFT (438-4338). Keep in mind that an FTC report is not strictly necessary for credit card fraud in which only a single account was compromised. 

6. Call your local police department to file a report. Notify your local law enforcement agency and file a police report. Have your identity theft report from the FTC on hand when you do so. The police report will be an important document to have when dealing with banks, credit agencies and potential bill collectors.

7. Place a credit freeze on your credit reports with the three major credit bureaus. A credit freeze blocks third parties, whose use is not exempt under law, from accessing your credit report. This can reduce the chance that a new account can be opened in your name. It is free to freeze and unfreeze your credit, and it will not affect your credit score. 

8. Place a fraud alert on your credit reports with the three major credit bureaus. A fraud alert is free and notifies creditors to take extra steps to verify your identity before extending credit. This is helpful if fraudsters try to apply for new credit in your name. In general, fraud alerts stay on your credit report for one year, but there are options for longer timeframes.

9. Start using these protective habits:

   • Create strong passwords and use unique passwords for each account. Do not use the same password for multiple accounts. 

   • Shred documents with personal information before disposing of them. 

   • Do not put personal information (such as address, phone number, et cetera) on social media profiles. This includes any details commonly used for online security questions, like your mother’s maiden name. 

   • Do not carry your Social Security card in your wallet.

Children can’t apply for credit on their own until they are 18 years old, and they likely have few financial assets to steal. However, children still have valuable personal data that fraudsters want. 

If you suspect that fraudsters have targeted your child, TransUnion can help. By submitting a request through our Child Identity Theft Inquiry form, we’ll check our database for a credit file with your child’s Social Security number. If we find one, we’ll guide you through next steps you can take, such as adding a TransUnion minor child freeze to their file. You can also add a freeze for a minor even if we do not locate a credit file. Learn more here.

Chat with us online: Select the chat button at the bottom of your screen

You may use the following options to contact us:

Reach us by phone

833-543-4353

Hours:

Monday – Friday 8 a.m. – 10 p.m. Eastern Time

Saturday – Sunday 8 a.m. – 5 p.m. Eastern Time