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 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
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
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.
It is widely accepted that a good FICO credit score can be defined as anything between 680 and 720. This score is generated based on an individual's financial records from the last seven years. Older financial records may be included under some circumstances, depending on the nature of the record an
A high credit score is typically a 750 or above, according to Credit Karma. Credit scores start at a low of 300 and range to a best possible score of 850. Having a high credit score means an individual is considered less of a risk, and is more likely to get increased loans or credit card limits at b
According to Credit Karma, an excellent credit score is between 750 and 850. A good credit score is between 700 and 750, a fair score is between 640 and 700, a poor score is between 580 and 640 and a very poor score is between 300 and 580.