How to Find Out a Credit Score With Transunion
One of the three major credit bureaus, TransUnion uses information provided by your creditors to maintain your credit report and score. Although the credit bureaus use the same formula for calculating consumer credit scores, not all creditors report to all three credit bureaus. Due to this, your credit report and score may differ between credit bureaus. Unfortunately, you cannot simply purchase your credit score from TransUnion. You must sign up for a monthly credit monitoring system before you can access your TransUnion credit score.
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Instructions
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Visit TransUnion's website at TransUnion.com. Select "I want my free credit score" from the home page or click the hyperlink for "Credit Score" in the right side column at the bottom of the screen.
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Fill in the order form with your name and address. If you have lived at your current address less than two years, you must also include your previous address. This helps TransUnion identity your credit file.
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Select the option on the screen that best reflects your reason for checking your credit score. TransUnion provides options such as "Purchasing a Home" and "Concerned About ID Theft."
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Select a username, password and secret question. Doing so sets up an account with TransUnion that allows you to log in and review your credit history whenever you like.
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Enter the last four digits of your Social Security number and your date of birth. Agree to the monthly fee for credit monitoring by clicking the box at the very bottom of the form.
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Read the user agreement at the bottom of the screen. Click "I Accept" to accept the user agreement.
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Enter your credit card information on the following screen. Select "Submit."
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Return to TransUnion's home page. Log in via the "member login" link in the middle of the home page to view your credit history and credit score.
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Tips & Warnings
The Fair Credit Reporting Act grants you free access to your credit reports once each year by visiting AnnualCreditReport.com. While this website provides you with a free credit report, it does not provide you with a credit score.
If you cancel TransUnion's credit monitoring service within 14 days, the credit bureau will not charge your credit card.
The credit score you receive from TransUnion is not a FICO score. TransUnion uses the VantageScore system when calculating credit scores. TransUnion's credit scores are for educational purposes only.
