How to Get a Free TransUnion Credit Report

A TransUnion credit report can often cost money if you already saw your free annual credit report. But you can get a copy of your TransUnion credit report without spending money. One way is if you were declined for credit, an apartment or job and the other party used that credit bureau's information to make the decision. Another way is if you are possibly a victim of identity theft. These methods require you to write or call the credit bureau. But even if none of these apply, if you have a credit or debit card you can get a free copy of your file.

First, call (800) 888-4213 to get a free copy of your TransUnion credit report if you were denied credit from that bureau's information. You'll provide your full name, current address, birth date and Social Security number as part of the process. It takes about 30 days to get report copies ordered by the telephone.

Second, download, print, and mail the order form to get a TransUnion credit report for free if you would rather not use the telephone or suspect you might be a victim of identity theft. You can access the direct link to this order form by visiting the Resources section. It could take up to 45 days for you to receive your mailed credit file document.

Alternatively, you can visit the website TransUnion.com as the first step of completing an alternative method to see that TransUnion credit report copy for free. You'll click on the red "Start Your Free Trial Now" button.

Now type in the required information, such as your full name, Social Security number and address. Also be sure to provide your credit or debit card information to continue this method of seeing your complimentary TransUnion credit report. However, remember to cancel the trial of TrueCredit before the 30 day expiration period to avoid being charged.

One of your final steps to see that TransUnion credit report is to answer any identity verification questions that pop up on your computer screen. Credit bureaus typically ask two to four multiple choice questions to ensure your security. Typical details requested range from a past city of residence to the name of a spouse or close blood relative such as your mother.

Be sure to print and/or save the credit report once it appears on your computer screen.

Remember if something on your TransUnion credit report is incorrect, you can dispute the information. A form is usually included with mailed reports; online customers can request credit information investigations online. It typically takes up to 45 days for you to learn the results of the credit bureau's investigation.

Do not ever request anyone else's credit file copies without permission; this is a federal crime.

References:

"TransUnion Personal: Contact Us."
http://www.transunion.com/corporate/personal/consumerSupport/contactUs.page