Obtaining a copy of your Transunion credit report is an important part of the credit puzzle. Do you have a Transunion credit report? Actually, you do. In fact, you have a credit report with Equifax and Experian, as well! That's an awful lot of information about your spending, buying and payment habits floating around. The best way to ensure that your Transunion credit report contains accurate, complete information is to get a free annual copy of each report. Where can you get these reports? Are they truly free of charge?
Getting a copy of your Transunion credit report is not actually difficult. You'll find that you can apply for one through several different methods. However, if you want a free copy of this report, head over to AnnualCreditReport.com. This website is setup and governed by all three major credit bureaus, (Equifax, Transunion and Experian). The website was setup after FACTA was passed by the federal government and is an attempt at greater transparency when it comes to your credit information. Traditionally, there has been great confusion about credit reports, what they contain and how you can change that information.
What does your Transunion credit report say about you, as a consumer? The report contains quite a bit of information about your habits, your debt load, your creditworthiness and more. For instance, if you have a legal judgment against you from a creditor, this will show on your report. If you have filed bankruptcy, it will also be shown, for up to 10 years. Old debts in collection will be included in your Transunion credit report for as long as 7 years. Obviously, with the lifespan of these debts and financial records, it is in your best interest to keep your credit report as clean as possible.
One of the areas of greatest interest to you is that of inaccurate and incomplete information. Up to 70% of US consumers have incorrect information on their credit report. Obtaining a free copy of your Transunion credit report will help you ensure that you are able to dispute anything that is not factual. Of course, you can obtain a copy of your Transunion credit report by visiting the Transunion website, itself. You will also find credit protection plans available here, and a means to obtain your credit score, which is not included in your Transunion credit report.
