How to Get Your Credit Report From TransUnion

TransUnion is one of the big three credit bureaus, along with Equifax and Experian. All three of these organizations gather information from lenders to compile credit reports on consumers. You are entitled to get your report from TransUnion annually, but many people aren’t sure where to start. 

Wondering how to get credit report TransUnion records? The good news is that it's easy and free. Here’s what to do.

How to get your TransUnion credit report

As you’re learning how to get credit report TransUnion documents online, you’ll need to take these steps:

Request your free annual credit report online

The easiest way to get your free annual credit report is to request it online. Federal law allows you to request one free credit report every 12 months from each of the three major credit bureaus. The official website to request your free report is AnnualCreditReport.com.

Here’s how to request your TransUnion report online:

• Visit AnnualCreditReport.com
• Fill out the request form
• Provide your name, address, date of birth, and Social Security number
• Select TransUnion
• Access and download your report

The process should take just a few minutes. 

Request by phone or mail

If you prefer, you can request your report by phone or mail. To request your report via phone, call the Annual Credit Report line and ask them to mail you a copy. Alternatively, you can download, print, complete, and mail in the request form. Requesting your report by mail is the slowest method. 

Request directly from TransUnion

You can also create an account with TransUnion through their website. The bureau offers additional monitoring tools and services as well. Some services are free, whereas others require you to sign up for a subscription. 

How to monitor your credit

Getting your credit report once a year is important and can help you take control of your financial health. However, you should also consistently monitor your score to help catch changes sooner. Here are a few ways to monitor your credit:

Check your reports

Instead of requesting your report from all three bureaus at once, space them out. For example, you can request one report every four months. While there may be slight differences between the three, the majority of the information should be accurate. 

Track your payment history

Payment history has one of the biggest impacts on your credit score. Lenders want to see that you are making payments on time. However, not all types of payments automatically get reported to the credit bureaus.

Fortunately, some credit-building platforms allow you to add positive utility and rent payments to your credit profiles. For example, Kikoff offers tools to report on-time monthly activity to TransUnion and the other major bureaus. 

Sign up for a free monitoring app

There are plenty of free monitoring apps out there, as well as a few paid versions. Before choosing an app, compare a few different options to see which one best fits your credit-building goals. 

Use one of these solutions to monitor credit score trends over time. If you notice a big change and haven’t made any significant financial moves, you know it's time to request your credit report. 

Build a stronger credit history with Kikoff

Now that you know how to get credit report TransUnion records for free, it’s time to put that information to use. Review your report to look for discrepancies that could be negatively impacting your credit. If you find any errors, you have the right to dispute them. 

That’s where Kikoff can help. With Kikoff, you can generate free debt dispute letters and send them to TransUnion electronically. Kikoff also allows you to generate printable letters to mail to Experian and Equifax. 

Need help bouncing back after a rough patch? Kikoff has got you covered there as well. Take a step toward stronger credit habits with Kikoff.