How to Add a Tradeline to TransUnion

TransUnion is one of the three major consumer credit bureaus in the United States. Your TransUnion credit profile contains various tradelines that have positive and negative payment information about your individual accounts. In some cases, creditors will only report tradelines with a negative account history to TransUnion. To improve your overall credit profile, you can request that TransUnion add unreported positive tradelines to your credit profile.

Print this article

Instructions

- 1
  
  Collect 12 months of billing statements for an account that does not currently report to TransUnion. You can use any type of commercial account, including an installment loan, utility bill or other ongoing obligation that requires you to make a monthly payment.
- 2
  
  Collect 12 months of canceled checks showing on-time payment for the account. You will need a copy of both the front and back of the canceled check. You can obtain copies of canceled checks by contacting your bank or accessing your bank account online and printing the canceled checks. Many banks charge a fee to provide you with copies of the canceled checks.
- 3
  
  Call TransUnion at 800-888-4213. Tell the customer service representative that you would like to add a tradeline to your credit report and that you have 12 months of billing statements and 12 months of canceled checks. The customer service representative will provide you with a fax number or mailing address to send the statements and canceled checks.
- 4
  
  Prepare a cover letter stating that you want to add a tradeline to your credit report. The letter should also include your full name, mailing address, Social Security number and date of birth.
- 5
  
  Fax or mail the cover letter, statements and canceled checks to TransUnion.
- 6
  
  Call TransUnion at 800-888-4213 approximately 30 days after faxing or mailing your request to verify that the TransUnion successfully added the tradeline to your credit profile.