A TransUnion customer can initiate a credit freeze, also called a security freeze, to keep everyone from accessing his credit report, including lenders. This means that a thief cannot open accounts in the customer's name. A security freeze can even be placed on a child's name to prevent identity the
Removing a security freeze from your TransUnion credit bureau account entails presenting your personal identification by telephone, mail or online and paying a fee, states TransUnion. The security freeze prevents identity thieves from accessing your credit report to open a new account or get new cre
TransUnion is the third largest credit reporting agency in the United States, according to Credit.com. The company collects historical financial, credit and related information about individual consumers, notes Investopedia. Sources of information include banks, credit card companies, credit unions
A TransUnion credit dispute happens when a consumer requests an investigation of a particular item on his TransUnion credit report, notes TransUnion. The accounts that a credit report lists as delinquent and unpaid affects the consumer's credit score. Disputing those items is an attempt to make the
TransUnion credit reports that are ordered by calling 800-888-4213 take five to seven business days to arrive by mail from the date the telephone order was placed. If the credit report has not been received in that time, customers can call again to verify the order.
A credit freeze or security freeze is a method by which a consumer blocks access to their credit report. The primary purpose is to prevent lenders from accessing their report, which prohibits identity thieves from obtaining credit in the consumer's name.
A consumer who discovers a discrepancy in his TransUnion credit report can file a dispute by contacting the bureau at 800-916-8800. Live agents are available Monday through Friday from 8 a.m. to 11 p.m. EST.
The national credit reporting companies Equifax, Experian and TransUnion have a website called AnnualCreditReport.com where consumers can order free annual credit reports. Free reports can also be ordered by phone or mail. Extra credit reports are obtainable for a fee from the individual credit repo
To freeze your credit files to protect them from identity theft, contact your state attorney general office to query about the cost of initiating a credit file freeze, reports the Federal Trade Commission. Then contact each of the three main credit reporting companies of Experian, Equifax and TransU
As of 2015 the main address of TransUnion is P.O. Box 6790, Fullerton, California, 92834. The main address of Experian is P.O. Box 9530, Allen, Texas, 75013. The primary address of Equifax is P.O. Box 740241, Atlanta, Georgia, 30374.