TransUnion credit reports are provided by the TransUnion© company, which is one of the largest databases of consumer credit information in the world. The company introduced the their Credit Reporting Online Network Utility System (CRONUS) in 1972 to build a national credit file. It was the first digital information storage and retrieval data processing system to unify credit data. It allowed creditors the ability to receive and update information directly on their own computers.
For a snapshot of your credit history, you can order an individual report or score, or sign up for their trial credit monitoring service which will give you unlimited access to your credit score for 7 days. You can find out how to access these products on the TransUnion website.
It's a good idea to know what is being reported in your credit file. Most people only think about reviewing their credit report and score when they are applying for loans or credit cards, but monitoring your information on a continual basis can help you prevent identity theft from wrecking havoc on your good name.
You can also receive your credit report in the mail by addressing your request to:
Consumer Disclosure Center
P.O. Box 1000 Chester, PA 19016
Please include the following information when requesting your credit report:
The Fair and Accurate Credit Transactions Act entitles each consumer to one free credit report from each of the three main credit bureaus every 12 months. You may also qualify for a free credit report if:
CreditSourceOnline.com does not handle credit report disputes for TransUnion. If you need to dispute an item on your credit report, you can contact the company directly by mail, phone, or online at TransUnion Credit Reports Dispute Center.
For more information about your credit file, see our section on credit reports. You can also read more on the other two credit bureaus.