How To Get Transunion Free Credit Report?
How to obtain a free copy of your TransUnion credit report
Your credit report comprises details that relate to your credit activity in the form of loans that you paid or failed to pay, credit card balances, collection procedures against you, and even public records details such as bankruptcies and tax liens. This information helps in the computation of a credit score that creditors and other lenders use when you apply for credit such as credit cards, auto loans as well as mortgages. For this reason, credit reports play an important role in how financing will be approved and the interest rate charged and you must check these credit reports periodically for accuracy.
The Federal law also allows you to gain a free credit report once a year from each of the three major credit reporting agencies; Equifax, Experian, and TransUnion. These reports can be requested at once or can have a gap of four months between each request so that one can look at the different reports for instance in April, August, and December respectively. This article focuses on the steps that an individual needs to take to get the free credit report from TransUnion that is available every year.
Website to Request for TransUnion Credit Report
Go to TransUnion’s official site to order your free annual credit report at annual credit report. com. This is a centralized service offered under Section 603, the federal law in cooperation with Equifax and Experian. When accessing your free credit report, you will be provided with an option of the credit bureau you want. The report is given to you without any cost and is due once a year.
What You Need to Provide Today
To verify your identification and also receive the TransUnion report online you are required to fill in personal details such as
- Full legal name
- Current mailing address
- Social Security Number
- Date of birth
You will also have to register an account that has a unique username and password for your convenience. When picking your login details, ensure you choose usernames and passwords that are unique to this site and none other. Record them somewhere or better still, lock them away. This login detail will be used to access your report once you complete your order.
TransUnion credit report is a detailed report containing the following information.
When you get your TransUnion credit file it is going to contain
Personal Information
First, you can enjoy your profile information such as your name, current and previous addresses, telephone number, employer name, and birth date. Consider all the data presented and displayed here and ensure it matches your records and is correct.
Credit Account History
The following is a breakdown of the open and closed credit cards and loans. Regarding the current and past credit accounts, it pinpoints the type of credit, opening date, credit limit or loan amount, account status as well as payment information. This should be done keenly to identify any cases of fraud or inaccurate accounts.
Credit Inquiries
Whenever you apply for credit like a credit card or mortgage then the company first checks your credit thus creating a record on your credit report. Here is the list of records seen under the TransUnion report: The list of hard inquiries includes all records that have been done in the last two years and a list of soft inquiries done in the last six months. These give signals to the lenders that you are credit shopping.
Public Records
Items included in public records are bankruptcies, foreclosures, tax liens, wage garnishments, or any legal judgment. These will stay on your credit report for a period of six to ten years depending on the type of information. If any of the information below is incorrect, then it’s advisable to file a dispute as soon as possible.
How to Dispute Errors
In case, you see some mistakes in your personal information or fake credit accounts and information that is not yours, report it to TransUnion immediately. You can argue with the score online or send the request via mail to TransUnion. Describe which elements of the information are false or misleading and enclose copies of documents such as identification or bank statements that confirm this.
By law, TransUnion must investigate, within thirty (30) days, the dispute that you submitted unless they believe that it is frivolous. Say seventy-five percent of the mistakes are rectified within two months. If you require additional inquiry or if your claim has been rejected, request to attach a statement to your credit file. This comes in handy to document your side of the story when preparing to show your reports to potential lenders.
Equally important is the need to check accounts to ensure that you determine every form of open credit. It is common to find identity thieves using your information to open accounts so that they can make credit transactions. Identify this early and avoid worsening your credit score by freezing those accounts.
Maintaining Good Credit
Since you have learned how to obtain your TransUnion credit report annually at no cost, you should promptly and frequently review your credit report to make sure it is free from errors. Always be sure to pay all your bills on time, maintain low balances on all credit cards, and do not apply for credit that you do not need. These will be useful in ensuring that your credit score remains high, and thus get approved for financing at the right rate. You must be extra careful to check your credit report and in so doing, you stand as the master of this particular facet of your credit situation.
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