Credit Help

The quickest and easiest way to freeze your credit file is online through the TransUnion Service Center.

You can also add a freeze to your credit report by phone or mail. Call TransUnion at 800-916-8800. To manage a freeze by mail, send a written request that includes your name, address and Social Security number to:

TransUnion 
P.O. Box 160 
Woodlyn, PA 19094

Although not required, including one proof of identity and two proofs of your current address with your request can help us locate your record more efficiently. If you include documents with your request, all documents should reflect your current name and be unexpired. Please only submit photocopies of your documents. These can include:

Identity (Provide 1):

• Social Security card
• Letter from Social Security Administration
• Military ID
• Medicaid or Medicare card

Address (Provide 2):

• Driver's license with current address
• Utility bill
• Bank or credit union statement
• Canceled check
• Pay stub
• Signed homeless shelter letter
• Prison ID letter 
• Stamped post office box receipt
• Government-issued ID
• State ID card

If you placed a freeze online, the quickest and easiest way to remove the freeze from your credit file is online through the TransUnion Service Center. You can also remove a freeze by phone or mail. It’s free to remove a freeze from your credit file.

Call TransUnion at 800-916-8800 or send a written request that includes your name, address and Social Security number to:

TransUnion

P.O. Box 160 

Woodlyn, PA 19094

Not while your credit report is frozen. You will need to remove or temporarily lift your freeze to apply for new credit, which you can do online through the TransUnion Service Center.

The fastest way to place a fraud alert on your credit report is online. Log in or create an account to get started. 
 
You can also do this over the phone by calling us at 800-916-8800.

No — we’ve got it covered. Once you place a fraud alert with TransUnion, we will notify the other credit bureaus — Equifax and Experian — so they place a fraud alert on your credit reports with them.

If you see an item on your credit report that you think is inaccurate, you can start a “dispute” and the credit reporting agency (such as TransUnion) will investigate the possible inaccuracy.

Absolutely. Disputes are 100% free.

The investigation process includes three steps:

1. You submit an investigation request (dispute). 
   If you believe that an item contained in your TransUnion credit report is inaccurate or needs updating, send TransUnion a request for investigation or request to change information. You can start your investigation online. You can also submit a dispute by phone or mail.
2. TransUnion contacts the creditor for verification. 
   After TransUnion receives your request, we will either contact the creditor for verification or change the information directly if it does not require verification.
3. The creditor returns verification and TransUnion completes the process. 
   Once the creditor returns verification, we will revise or delete the information in your credit report if it is inaccurate.

No change will be made if the creditor verifies its accuracy. In either case, TransUnion will send you a summary of the investigation results and, if applicable, a revised copy of your TransUnion credit report. 
 
If our investigation has not resolved your dispute, you may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to TransUnion including this information in every credit report we issue about you. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may also request a description of how we conducted the investigation or file a complaint about TransUnion or the business reporting the disputed information with the Consumer Financial Protection Bureau or your state’s attorney general’s office.

You can get one free credit report weekly from each of the three nationwide credit reporting agencies (TransUnion, Equifax and Experian) through annualcreditreport.com.

You can also get a free daily TransUnion credit report through the TransUnion Service Center . If you don’t have a TransUnion Service Center account, you can create one for free.

You can also get a free TransUnion credit report through TransUnion Credit Essentials. Learn more about your options here.

If you want to get your credit score through TransUnion, you can use one of the following methods:

• You have the option to purchase a one-time VantageScore^® 3.0 credit score after you get your free credit report from annualcreditreport.com by opting in to enroll in a TransUnion Service Center account. The cost is $0.99 (plus tax where applicable).
• You can order your VantageScore^® credit score online through the TransUnion Service Center for $0.99 (plus tax where applicable). You can then print it, save it, or view it online for up to 30 days.
• TransUnion provides your VantageScore^® 3.0 credit score when you enroll in our free online credit membership, TransUnion Credit Essentials.
• You can contact Consumer Support to order your VantageScore^® 3.0 credit score by phone or mail. The price of a credit score sent by mail is $9.95.

Your credit score is calculated based on the VantageScore^® 3.0 model. Lenders and insurers may use different scores to evaluate your eligibility.

A credit report and a 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 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 payment history, credit usage, length of credit history, account mix, and new credit. 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.