TRANSUNION
There are a number of things that can block your credit:
- Credit Freeze
- Fraud Alert
- Third party blocks
- Member locks
- Errors on your reports
- Errors on the application
In order to determine exactly what may be blocking your credit requires a call directly into the bureaus. When you speak with the agent explain that your credit is being blocked. Ask them to pull up your report and find out what could be blocking it. Then what is the quickest way to correct the problem.
Online Option (Estimated time to remove an alert or member lock is 15 minutes)
Create a free online account so you can manage your fraud alert or member lock.
Once you login you will see the fraud alert and member lock icons. Then can easily remove your fraud alert or member lock immediately.
If it says you have an existing account try to login. If you have forgotten you user name and/or password click on the link that says "Forgot Login Information" to recover your user name and password.
If you need further assistance in creating or logging in to your online account you may call (833) 806-1627 and press 1 to speak with an agent. Then login to remove your fraud alert or member lock.
Back to the Credit Freeze Dashboard
Phone Option (Estimated time to remove an alert or member lock is 20 minutes)
Hours: Monday-Thursday 8AM to Midnight EST Friday-Sunday 8AM to 8PM EST
TransUnion (800) 916-8800
For English press 1
When the auto attendant askes why you are calling say "Dispute" then you will be transferred to a live agent. When the agent answers tell them you want to remove the fraud alert or member lock and you are willing to answer security questions. Once you successfully answer the security questions your fraud alert or member lock will be removed.
Back to the Credit Freeze Dashboard
Mail Option (Estimated time to remove an alert is 7-10 days)
If you are required to mail in your request with proof of identity you will find the proper form to remove the fraud alert along with the address to mail it to inside your program folder. The required proof of identity documents is also listed on the form.
Mailing address:
TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Proof of identity:
Copy of your driver's license with the current address
Copy of the Social Security Card or Passport