TransUnion Credit Reports Options

Trans Union is a leading global company employing more than 3600 employees, in more than 24 countries around the world.

Consumers trust TransUnion to provide businesses with an accurate, unbiased picture of their financial capabilities. Because of readily available credit report histories, consumers are able to pursue otherwise unavailable financial objectives and receive better, more competitive financing options. In fact, many consumers obtain their own TransUnion Credit Reports and Credit Scores before applying for credit. With their TransUnion Credit Report in hand, consumers can approach potential creditors from a position of knowledge and confidence.

In seconds, your complete credit information from all three national agencies in one easy-to-read online report. Many lenders look at all three credit reports, so should you!

Lenders usually check your 3-in-1 Credit Report, the most complete picture of your credit history available. With data provided by all three national credit bureaus—Experian, Equifax, and TransUnion—you'll know the full story.

1. Find out what personal information the credit bureaus have in your file.

• Make sure all three credit bureaus are reporting your correct name, address, and employer

• Watch out for incorrect addresses—this may be a sign that an identity thief has redirected your mail to a false address.

2. Understand your credit file with an easy-to-read summary of your report.

• See all of your essential credit report information at-a-glance.

• Make sure all three credit bureaus are reporting accurate information

• Watch out for inaccuracies that could negatively impact your credit standing.

3. Get detailed information about all of your loans and credit card accounts.

• Is the account open or closed?

• What is your monthly payment?

• What is your total balance?

• What is your maximum limit?

• Have you ever had any late payments?

• Make sure the information is accurate and up-to-date, consistent between bureaus.

• Watch out for accounts that are not familiar—these could be accounts that were opened fraudulently in your name.

4. Discover who's been looking at your credit report.

• Make sure you've authorized all of the inquiries.

• Watch out for names of companies that are not familiar—if you haven't authorized the inquiry, it may be a sign of fraud.

• Note: When you personally check your credit report with TrueCredit.com, the inquiry that is recorded will not adversely affect your credit standing.

5. Get contact information for all of your creditors.

• Use the addresses and phone numbers to contact them in case you identify issues that need to be resolved.

Customized just for you. KnowYourLoanRate is a personal mortgage preparation kit that will help you get the best mortgage rate. Includes your credit report, score, home valuation, and more!

With KnowYourLoanRate's "what if?" tool, you can run limitless loan rate scenarios Quickly and easily see how your credit, debt, and income affect your loan rate.

• An analysis of the loan rates for which you qualify, based on your credit & debt.

• Get your online credit report and credit score. Includes personalized score analysis.

• A custom analysis of your debt-to-income ratio. With tips for improvement.

Identity theft and fraud protection: stay informed with ongoing access to your credit report and weekly fraud-watch emails.

This is a membership program that entitles you to:

• Receive a brand new credit report four times per year

• Reports are easy-to-read with color graphics and free interactive guide

• 24/7 claims service, income protection, and expense reimbursement are included in your identity theft insurance coverage

• Highly trained specialists are on call to guide and assist you

• Graphical trending helps you manage your progress

• View colorful charts and graphs on changes in your debt, income, credit score, and more

TransUnion Personal Credit Report
($9.50 Online)

Check the accuracy of your credit data by viewing the version of your credit report that only you can see.

You can also order your TransUnion Personal Credit Report & Score by Phone or by Mail.

Under certain circumstances you may be entitled to a free or reduced price Personal Credit Report.

You are eligible to receive a Personal Credit Report at no charge or a reduced fee if: (please choose one)

1. You are eligible under the FACT Act.

The Fair Credit Reporting Act entitles each consumer to one free disclosure every 12 months.

2. Within the last 60 days, you have received an adverse action notice based on information from your TransUnion credit report, such as:

• Denial of credit, or other unfavorable action affecting a credit application or account.

• Denial of insurance, or other unfavorable action on an insurance application or policy.

• Denial of employment, or other unfavorable action affecting current employment or an employment application.

• Denial of, or other unfavorable action affecting, a government license or benefit.

• Denial of, or other unfavorable action on, another transaction or account, such as an application for an apartment or utility service.

3. You are experiencing one of the circumstances below.

• You are unemployed and plan to seek employment within 60 days.

• You receive public welfare assistance.

• You have reason to believe your TransUnion credit file is inaccurate due to fraud