How to Get Free Credit Report from Transunion

Credit report is used by lenders to help them decide whether or not they will loan you money and what interest rates that the lender will offer to you. Moreover, lenders will use a credit report to determine whether or not you are eligible to get credit.

To make it easier for creditors to create a credit report, TransUnion offers them to create a credit report according to the people’s financial data that the creditors have collected and stored. Reportedly, TransUnion offers a free credit report throughout 2022. Then, how to get a free credit report from TransUnion? Let’s see our post below to find the real information!

How to Get Free Credit Report from Transunion

Getting a Free Credit Report from TransUnion, Here’s How!

In response to the pandemic of  Covid-19, TransUnion recently offers you one free weekly credit report online throughout 2022 at TransUnion is also required to give one free credit report every year, based on U.S. law.

Aside from that, TransUnion is very eligible to give free credit reports to consumers, as the company is rapidly growing with its business offerings that use advanced big data, especially it is a deep Ai-TLOxp product.

    • To get a free credit report from TransUnion, you just simply visit
    • Once you are at the page of Annual Credit Report, you need to click on ‘Request your free credit reports’ button
    • In the following page, you will need to fill out a form and make sure to describe your personal information.

1) Legal Name: Your first name, middle initial, last name, suffix name, date of your birth and your social security number

2) Current U.S. Address: Your address, address line 2, city, state, and zip code

3) Previous U.S. Address: If you’ve lived at the address above for less than 2 years, you can enter your previous address including Your address, address line 2, city, state, and zip code.

    • Once you fill out a form, you can then pick the reports you want. Here, you can request your credit reports from TransUnion.
    • In the following stage, you will need to request and review your report online.
    • Before you get your credit reports, you will need to answer a few more questions that are meant to be hard. You may need your records to answer those questions. The questions are used to make sure that nobody, but you can gain the information about your credit.
    • If you’re eligible and meet any terms and services, you will be able to print your credit report, so you can look at them later.

Congratulations! You successfully get one free report credit from TransUnion. It’s important to note, TransUnion free credit report does not include credit scores.

For more information, if you order your free TransUnion credit report, you will also have the option to order your free Experian and Equifax credit reports. Well, the information in those reports may differ, so it is a good practice to review all three.

For instance, some creditors select to report account data to only one or two credit reporting agencies, not all three. Or a creditor may only pull your credit report from one credit reporting agency when you apply for a loan that would result in a hard inquiry on your credit report from that agency only.

What Should You Provide in Credit Report?

In the case of reviewing your credit report, you may need to check all the information listed whether they are up-to-date and accurate or not. Here are some information you should provide and review:

Your personal information including:

    • Your name including nicknames and any name that you may have used in the past in a credit account
    • Current and former addresses
    • Birth date
    • Social Security number
    • Phone numbers

Your credit information including:

    • Current and historical credit accounts, including the type of account (mortgage, revolving, installment, others)
    • The credit limit or amount
    • Account payment history
    • Account balance
    • The date the account was opened and closed
    • The name of the creditor


    • It refers to everyone who has reviewed your credit report in the past 2 years.

Public records including:

    • Bankruptcies that can stay on a credit report for up to 10 years.
    • Liens
    • Foreclosures
    • Civil suits and judgments

How to Use Your 3 Credit Reports?

However, your credit reports actually provide important information about your credit history. To make sure the information included is accurate, it’s a great idea to review your credit reports regularly and also monitor for any signs of identity theft.

After getting a copy of your credit report, you can then see what lenders and others are permitted parties to view about your credit activity and history. Here are the information listed on credit report:

    • Your name and address
    • Your current open accounts including balances and payment history
    • Your closed accounts, unless they’re over 7 years old
    • Required of inquiries by all parties which received a credit report from that particular credit reporting agency
    • Public records from the last 10 years

To report any inaccuracies, you can also follow the instructions available on However, you will not receive a credit score with your free annual credit reports.

Why Should You Check Your Credit Report?

Verifying the information in the credit report to make sure it is accurate is one of the biggest reasons why you should check your credit report regularly. If you know what is on your credit reports, it will help you make great decisions to maintain your credit health. Moreover, credit monitoring products will ease you to stay on top of your report and credit health.

So, if you find something inaccurate on your credit report, you can contact your creditors as soon as possible to get more details. If that happens, you can then start getting in touch with TransUnion and they will investigate. TransUnion Credit Monitoring offers to:

    • Refresh your TransUnion score and report daily
    • Get alerts whenever there are critical changes to your TransUnion, Equifax or Experian reports.
    • Get to know how you can improve your credit health with interactive tools
    • Protect your credit identity and health with Credit Lock Plus and $1MM ID Theft Insurance

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