Facts about free TransUnion credit report

Free credit report can supply all the necessary information that is needed to know about the personal credit history of an individual. The request for a credit report can either be made personally or you can receive it through the Internet. Within a small time span you can request for a free copy of your credit report from an online service. In case you do not have a computer, then you can request for a report by filling out information that is available from the FTC and send it to the correct address. The three top credit agencies through which you can receive credit reports from are Equifax, TransUnion and Experian. These agencies have all the personal information and credit history along with your credit score. All reports are sent to you, one every year. In case you want this information separately from each agency, then you will have to ask for it in writing from the agency for a small fee.

The database of TransUnion contains more than 200 million files, which profiles almost every market active consumer in the US. This database consists of information that is provided by more than 85,000 institutions that grant credit and it is updated, monitored and audited regularly so you can easily count on the comprehensive and current information. With the help of the reduced risks and streamlined operations with the credit reports at TransUnion, you can make more informed decisions throughout the customer life cycle. The free TransUnion credit report features four categories of standard information:

• Credit history
• Identifying information
• Inquiries
• Public records

In addition, information related to Fair Credit Reporting Act and any consumer statement is also displayed. To obtain a free TransUnion credit report you need to visit the official website and check the option “free copy of my credit report” and submit the information. This is a free credit report facility. Some websites charge for viewing the credit report online and some do not. If you are planning to get a free TransUnion credit report then do not hesitate, especially if you have received a denial of credit, house loan or job.