TransUnion is a credit bureau. It tracks the credit history of borrowers in order to generate credit reports and credit scores. Like Equifax and Experian, the other “Big Three” credit bureaus, TransUnion collects data to produce a credit history for every individual, and financial institutions look at these reports when determining whether to extend credit such as a mortgage or a credit card to a customer.
Who the Dun and Bradstreet Report Is Right For
Your credit report contains vital information about your credit history from lenders that have extended credit to you.
Despite lacking such features, TransUnion reports comprehensive employment data in all of its personal credit report summaries. It offers you the ability to update, change and correct several fields, like your current and previous employers’ names, the dates you were hired, the time period you worked for each employer, and more.
How do I add a Consumer Statement to my credit report?
To access your credit report, you must provide TransUnion or other credit-reporting agency with your name, your address, your date of birth, and your Social Security number, as well as the addresses of previous residences.
TransUnion requires the request in writing accompanied by a minimum of two pieces of acceptable identification. Together these combined pieces must contain your name, current address, date of birth and signature.
If your disputed account(s) have not been deemed fraud by a creditor, your statement will be removed. However, if you still wish to protect your credit report, you may place a Potential Fraud Alert.
If a creditor’s fraud department, government agency or law enforcement agency referred you to the TransUnion Fraud Victim Assistance Department (FVAD), you may already know that you are a fraud victim.