TransUnion offers three types of fraud alerts. Choose the option below that best fits your needs.
You’re entitled to one free credit report with an initial fraud alert or two free credit reports with an extended fraud alert. If you want a copy of your credit report now without setting a fraud alert, you can get one here.
A good option if you’re concerned about becoming a victim of fraud or ID theft, an initial fraud alert lasts for 1 year.Add Fraud Alert
An extended fraud alert lasts 7 years. You can only request one by mail because we need extra documentation that proves your identity and confirms identity theft. It’s a good option if you’ve been a victim of fraud and have an identity theft report.Request Extended Fraud Alert
A fraud alert and a credit freeze are both great, free ways to help you prevent identity theft and protect your personal data. But they’re not the same, and knowing the differences can help you choose the one that will best fit your needs.
When you want lenders to take an extra step and call you to verify credit applications in your name, but not completely block access to your credit report.
A fraud alert will show up on your credit report the same day you place it.
Lenders will call you to verify a credit application made in your name. This can help you spot potential identity theft.
Yes. You can add or remove a fraud alert at any time for free on the TransUnion Service Center. We’ll also notify Experian and Equifax so they can add an alert to the report they have for you.
If you want a free option to make sure no one can access your credit report.
Adding or removing a credit freeze often happens in real time, but to be on the safe side, allow up to one hour for it to go into effect.
A credit freeze blocks lenders from accessing your credit report, giving you more control of your information. You can log in at any time to see your freeze status.
Yes. You can add or access your credit freeze at any time for free on the TransUnion Service Center. Unlike fraud alerts, you will need to notify Equifax and Experian on your own to freeze your credit with them.
If you think you’re a victim of identity theft, knowing the signs to look for and what to do next can help you take control of the situation and get on the path to recovery.
TrueIdentity is a free product that lets you lock your credit report at any time for no charge.
TransUnion Credit Monitoring is a paid subscription that can help you protect your credit report, manage your data identity, and approach your credit with confidence.
There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.
Subscription price is $24.95 per month (plus tax where applicable).