How Do I Get a Copy of My TransUnion Credit Report?

Under the Fair Credit Reporting Act (FCRA), consumers are entitled to access their TransUnion credit reports for free once every year. As a recognized consumer reporting agency under the FCRA, TransUnion is obligated to provide these annual reports. Additionally, you have the right to review your report and dispute any errors you discover. There are several circumstances that allow you to request a free credit report from TransUnion, such as suspected inaccuracies or fraud. If you’re unsure of your eligibility, feel free to contact us through this website for guidance.

Order Your Trans Union Credit Report by Mail

Although ordering your credit report online may appear faster and more convenient, opting for mail provides additional protections. Online orders can sometimes expose consumers to risks not associated with mail requests. (Check our posts on Ordering Your Report and Ordering Your Report by Phone)

When requesting your credit report by mail, consider using services such as registered mail or return receipt request. These options provide proof that your request was sent and received by TransUnion. This documentation can be crucial if the company denies your request.

Include Proper Identification

One common issue consumers face is having their credit report requests denied due to insufficient identification. The FCRA permits credit reporting agencies to decline requests if they suspect fraudulent activity. Unfortunately, this safeguard has sometimes been misapplied, leading to legal challenges against agencies like TransUnion. To avoid delays or denials, include the following documentation with your request:

• A government-issued photo ID (e.g., driver’s license, passport, or identification card).
• Proof of your current address, such as a utility bill or bank statement.
• Social Security Card or other identifying documentation.

By submitting these documents alongside your request, you reduce the likelihood of rejection. If you’re unsure about the identification requirements, contact us for assistance

Keep Copies of Your Request and Documentation

Before sending your request to TransUnion, make sure to create a photocopy of your signed letter and supporting documents. Maintaining a record of your submission is essential in case your request is denied. Save both physical and electronic copies for your records. This documentation may prove invaluable if you need to escalate the matter.

What to Do If TransUnion Doesn’t Send Your Credit Report

The FCRA mandates that TransUnion provide you with a free annual report. If the company fails to comply, you may have legal grounds to seek compensation. For instance, a consumer in Georgia successfully sued a credit bureau after being denied their report despite providing sufficient identification.

Contact Our Firm For Assistance With Your TransUnion Credit Report

If you’ve followed all the recommended steps and TransUnion still refuses your request, you may need to take legal action to protect your rights.

At any stage of the process—whether drafting your request letter, navigating documentation requirements, or pursuing legal action—Lyngklip & Associates is here to help. We offer free consultations for consumers facing difficulties in obtaining their credit reports.