Top 3 QuestionsIs something inaccurate on your credit report?
Are you having trouble logging in or do you need more information?
Do you need help getting past the security system or need more information?
Talk to a Customer Service Team member.*
Monday through Thursday, 8 a.m. to Midnight,
Friday through Sunday, 8 a.m. to 8 p.m. Eastern time
* Closed on all United States observed holidays
Call toll-free (855) 681-3196
Important information about your Web browser and TransUnion Interactive:
The quality and success of your TransUnion Interactive experience depends on your Web browser. A Web browser is a program that allows you to graphically view pages on the World Wide Web.
TransUnion Interactive supports 128-bit encryption. In order to safely use this site, your browser must support encryption. Please see our browser recommendations below to ensure that your visit to TransUnion Interactive is safe and secure.
Browser Version Recommendations:
TransUnion Interactive supports all major browsers. To ensure the security of your information online, check that you are using the latest version of your preferred browser.
You may be eligible to receive a copy of your personal credit report at no charge if:
If you are a resident of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you may receive one free copy of your credit report each year from the credit bureaus. If you are a resident of Georgia, you may receive two free copies of your credit report each year from the credit bureaus. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.
Illinois law, 815ILCS505/2B.2 (Solicitations Regarding Records):
MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST, AT NO CHARGE OR FOR A NOMINAL FEE.
To obtain a copy of your credit report from Experian:
To obtain a copy of your credit report from Equifax:
To obtain a copy of your credit report from TransUnion:
When selecting a username, you should pick something you can remember. However, you should also choose something unique. TransUnion Interactive suggests using your email address.
Your password should be at least 8 characters in length using numbers and letters; remember it is also case sensitive.
The Identity Verification process is an essential part of the TransUnion Interactive website because it protects your privacy by ensuring that your credit report can only be viewed by YOU.
Identity Verification confirms your identity through a series of questions based on accounts and personal information contained in your credit report. Here's how it works:
Please contact the Customer Service Team. Sometimes they are able to view additional details in the data that the online Identity Verification system cannot.
A Customer Service Team member will attempt to confirm your identity by asking you questions about your credit history. Once your identity has been confirmed, the representative will immediately make your credit report available for you to view online.
A Security Code is a unique series of letters or numbers linked to the display of your online credit report. When Identity Verification cannot confirm your identity online, it assumes that someone else is attempting to view your credit information without your authorization. To protect your security and privacy, your credit report cannot be immediately displayed.
A Security Code will be mailed to you in a security envelope to the address listed on your credit report. A Security Code is mailed only when Identity Verification cannot confirm your identity and you have made no attempt to contact the Customer Service Team for assistance.
If you do not want a Security Code mailed to you, it is important that you contact the Customer Service Team. They may be able to confirm your identity and make your credit report available for you to view online right away.
Our security policy requires that the owner of the credit report be notified by mail when the online Identity Verification determines that there may have been an unauthorized attempt to view your credit report. Remember, when Identity Verification cannot confirm your identity online, it assumes that someone else is attempting to view your credit information without your authorization.
A partial view of the address the notification will be mailed to is displayed to you online when you receive notice that the mailing of a Security Code is scheduled.
TransUnion Interactive, Inc. understands the confidentiality of information contained in credit reports, and we safeguard the privacy of all information you provide to this Web site.
Identity Verification System (IV)
TransUnion Interactive has designed an Identity Verification System in order to protect your security and privacy. IV seeks to confirm that your personal credit report is being viewed by YOU.
When a customer requests a credit report, IV is intended to confirm the customer's identity. If the customer cannot provide the correct information, the system does not allow that person to view the report.
(Please Note: If you are currently in the identity verification process and you need help, please contact our Customer Service Team.)
SSL (Secure Sockets Layer) Encryption
To ensure that your credit information remains secure and confidential, TransUnion Interactive uses programs that encrypt the data you provide on the order form before transmission to TransUnion Interactive. Encryption is a way of coding the information in a file so that if it is intercepted by a third party as it travels over a network, it cannot be read. Only the person or persons that have the right type of decoding software can unscramble the message. Thus, your encrypted information can only be read by TransUnion Interactive.
Questions or concerns about the TransUnion Interactive's security system? Please contact the Customer Service Team.