Terms of Use

Notice: Your use of this web site beyond the home page constitutes acceptance of the Terms of Use.


Welcome to the Trans Union LLC (“TransUnion”) web sites (each individually or collectively, the “Site”). Please read the following information carefully before using this Site or accessing any materials provided herein. By using this Site, you represent that you have read these Terms of Use (these “Terms”) and our Privacy Policy and any other terms posted by TransUnion, that you understand their terms, and that you agree and intend to be legally bound by them. You acknowledge that in providing you access to and use of the Site we are relying on your agreement to be bound by these Terms.

If you do not agree with these Terms, the Privacy Policy or any other terms posted herein, or you do not want to be bound by them, then do not visit this Site and do not use any Trans Union products or services. We (TransUnion LLC) reserve the right, in our sole discretion, to modify or update these Terms of Use at any time. Please check the Terms of Use each time you visit our web site for the most current information.

These Terms of Use apply to the Site and to all content contained herein, whether you access such content on this Site or you download such content from this Site. If these Terms are not consistent with the express terms that apply to the TransUnion information, products, or services (collectively, the “Services”) offered through this web site, then the express terms that apply to the Services will apply. If you decide to purchase a product from this web site, such order or purchase will additionally be governed by the applicable service agreement.

TransUnion Interactive, Inc.’s terms of use are located on TransUnion Interactive’s webpages.

TransUnion may change these Terms or the features of this Site, including eliminating or discontinuing any services, products, content or feature of the Site, restricting the hours of availability, or limiting the amount of use permitted. All changes shall be effective immediately upon posting of such notice. If you use the Site and/or your membership after TransUnion has changed these Terms you agree to be bound by all of the changes. You are expected to review the Site periodically to ensure familiarity with any posted modification.

If any portion of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining portions will remain valid, enforceable, and carried into effect, to the fullest extent permissible. Any rights not expressly granted herein are reserved.


Please review the TransUnion Privacy Policy to understand our practices. By using our Site or purchasing our products or services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Policy.

Content; Ownership of Materials

This Site and the content contained herein are protected by U.S. and international copyright laws. This Site and the subject matter contained herein is TransUnion proprietary information and, if such subject matter is on a password-protected portion of this Site or labeled confidential, then it is confidential information, and may not be shared or used for any purposes other than the purpose for which it was provided by TransUnion, without the express written permission of TransUnion. Articles, videos, infographics, blogs, services documentation, information, text, graphics, web site design (and its selection, assembly and arrangement) and other materials found on this Site or other websites owned or maintained by us and our subsidiaries and affiliates (such materials, “TransUnion Content”) are solely the property of Trans Union LLC or the applicable subsidiary or affiliate. If you access TransUnion Content on a password-protected portion of this Site, then no part of any TransUnion Content (including individual elements or documents contained therein) contained therein may be reproduced or distributed in any form or by any means, electronic or otherwise, now known or hereafter developed, including, but not limited to, the Internet, without the express prior written consent of TransUnion LLC. Further, such TransUnion Content located on a password-protected portion of this Site may only be used for the express purpose that it is provided for, and for no other reason whatsoever. Except as provided in the preceding sentence, none of the TransUnion Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion or the owner of the TransUnion Content.

Requests for permission to reproduce or distribute any part of, or all of this Site, or any materials contained herein should be mailed to:

Law Department
Trans Union LLC
555 West Adams
Chicago, Illinois 60661

Trademark Rights

The “tu” logo, TransUnion, and other trademarks, service marks, and logos (the “Trademarks”) used on this Site or in its publications or TransUnion Content contained herein are registered or unregistered Trademarks of TransUnion or their respective owners. The Trademark owner has exclusive rights to the Trademarks. Any unauthorized use of the Trademarks is strictly prohibited. You may not display or use the Trademarks for any purpose without the express written permission of Trademark owner.

Restrictions on Use; Suspension and Termination

By using this Site, you are agreeing that you will not attempt, directly or indirectly, to reverse engineer, decompile, or disassemble any TransUnion Content, TransUnion services or service information, any confidential or proprietary criteria developed or used by TransUnion relating to services you receive from TransUnion, or any of the TransUnion confidential and proprietary information contained herein. The entire right, title and interest in and to this Site, TransUnion Content, TransUnion services and TransUnion service documentation, and all copyrights, patents, trade secrets, trademarks, trade names, and all other intellectual property rights associated with any and all ideas, concepts, techniques, inventions, processes, or works of authorship including, but not limited to, all materials in written or other tangible form developed or created by TransUnion, shall at all times vest exclusively in TransUnion. You acknowledge that any misuse, misappropriation or threatened misappropriation of TransUnion’s intellectual property rights or confidential information, or any breach or threatened breach of the foregoing restrictions, may cause immediate and irreparable injury to TransUnion, and in such event, TransUnion shall be entitled to seek injunctive relief. Nothing stated herein will be construed to limit any other remedies available to TransUnion including, but not limited to suspension and/or termination of the services provided to you.

You will not use TransUnion products, services, or TransUnion Content in a manner that defrauds or otherwise abuses the credit reporting or credit scoring systems. TransUnion has the right to suspend or terminate your use of any product or service or access to our Site if we determine, in our sole discretion, that your use of our products, services or content has abused the credit reporting or credit scoring systems, or you have breached these Terms or any agreement you have in place with TransUnion in any way. Further, you agree that TransUnion will not be liable to you or any third party if TransUnion suspends or terminates your access for any reason.

The public content on this Site may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without TransUnion's prior written permission. You may print or download portions of the public material from the Site solely for your own non-commercial use, and you will not change or delete any copyright or proprietary notices from the materials.

Disclaimer of Warranties and Liability

Our site, including all content, products, services and transunion content made available on or accessed through this site, is provided to you “as is”, with no warranties of any kind. To the fullest extent permissible under applicable law, neither transunion nor its subsidiaries or affiliates make any representations or warranties of any kind whatsoever (a) as to the content, products or services available on or accessed through our site, (b) that a user will have continuous, uninterrupted or secure access to our site, products or services, or (c) that our site, products or services will be error-free. In addition, Transunion and its subsidiaries and affiliates disclaim all express or implied warranties, including warranties of title, merchantability, fitness for a particular purpose, non infringement and informational content. Therefore, you agree that your access to and use of our site, products, services and content are at your own risk. By using our site, you acknowledge and agree that neither transunion, its subsidiaries, nor its affiliates have any liability to you (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with your access to or use of our site, content, products or services (even if we have been advised of the possibility of such damages), including liability associated with any viruses which may infect your computer equipment.

TransUnion, TransUnion Interactive, and any other subsidiary and affiliate of TransUnion are not credit repair organizations, or similarly regulated organizations under other applicable laws, and do not provide credit repair advice.

TransUnion Interactive credit monitoring offerings monitor only the credit file associated with the purchasing consumer that is maintained by TransUnion, and do not monitor, compare or cross-reference the credit file associated with the purchasing consumer to any other credit file(s) maintained by the other applicable credit bureau(s). Such offerings are governed by TransUnion Interactive’s Terms of Use located on TransUnion Interactive’s webpages.

Policy on Links to the TransUnion Web Site

You are given a limited, revocable, non-exclusive right to create a hypertext link to the TransUnion home page (www.transunion.com). However, you may not portray TransUnion or any of its Services or products in a false or offensive manner. In addition, you may not misrepresent your relationship with TransUnion. You may not imply that TransUnion sponsors, endorses, or is affiliated with your web site or products unless otherwise agreed in writing with TransUnion. You may not replicate, modify, or alter the appearance or content of this Site. You may not use, frame, or utilize framing techniques to enclose any TransUnion Trademarks or any of the content of this web site unless otherwise agreed in writing with TransUnion. Except as provided for in a written agreement with TransUnion, or as stated herein, you are not given any other right or license to (i) the content of this web site or (ii) any intellectual property or proprietary rights of TransUnion. This limited linking right may be taken away from you at any time at our discretion.

Policy on Links to Third Party Web Sites

This Site may contain links to third-party web sites. TransUnion does not represent, guarantee, or endorse any third-party web site that you may access from this web site. In addition, if we provide a link to a third-party web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this Site are provided solely as a convenience to you. When you access a third-party web site, please understand that the linked site and its content are not under our control. TransUnion is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

Unsolicited Idea Submission Policy

When you provide us with comments, suggestions, or ideas (collectively “Feedback”), such Feedback is not considered confidential and becomes the property of TransUnion. We are not obligated to you if you provide such Feedback. We are free to use, copy, or distribute the Feedback to others for any purpose.

International Use

Because you can access this web site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States or the country of your residence. You understand that you are on a Site maintained, hosted and offered from TransUnion LLC, a United States-based company, and that international laws, including international privacy laws may not apply to your use of this Site.

Applicable Law

The materials in this Site are designed for use by residents of the United States and its territories and possessions. The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Illinois without regard to any conflict of law provisions. If you choose to access this Site from outside the United States, you do so on your own initiative and you are solely responsible for your compliance with local laws. You agree that any and all disputes arising under this Agreement or out of our provision of services to you, if submitted to a court of law, shall be submitted to the state and federal courts located in Cook County, Illinois, USA.


You should send any notices or other communications regarding the Site, products or services to TransUnion LLC, Attention: Office of General Counsel, 555 W. Adams St., Chicago, IL 60661.

Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your registration information, please log in to your account and visit the 'Your Account' section from the main menu.


You agree to reimburse TransUnion, its officers, employees, agents, and partners for all losses, damages, and costs, including reasonable attorney's fees, resulting from your violation of these Terms of Use or any other posted TransUnion policy.

Copyright (c) 2001-2019 Trans Union LLC. All Rights Reserved. Revised as of March 11, 2019.

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

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