23 Jan 2013 9 Comments
One of the items on my list of Financial Things to Do was to request my free credit reports from both Equifax and TransUnion. To request your credit report form Equifax, check out my post which includes the phone number and the information that the automated system requires from you. You can also send the request through the mail as well.
Although I have requested my report from Equifax for the past couple of years, I have never used TransUnion before. To be honest, I didn’t think it would really matter; they should both have the same information, right? Not always, apparently! So there is a chance that if I go apply for credit, they may use the report from TransUnion. If that is the case, I better make sure the information on there is accurate as well!
The steps for requesting your free credit report from TransUnion is pretty similar to Equifax. The only weird thing was that I was unable to get into the automated system with my phone, but it worked fine with boy’s phone, so don’t give up if you suddenly get cut off.
Phone number: 1 (800) 663 -9980.
They will ask you for your SIN, a current credit card number, your date of birth, your house number, as well as your phone number. Once you pass the initial questions, they will also ask you questions like what type of credit card you have, what is your age range, and what company you made your most recent credit request from. Once you pass all of that, they will confirm your address, and it will let you know that it will take 3-5 business days for you to receive your report in the mail. The process itself only takes about 5-7 minutes, (yes, boy was too lazy to do this because it was such a hassle, but I set him straight!) so just get it over with!
I personally don’t pay for my credit score, but will consider doing so if I plan on getting a mortgage or a business loan.
Readers, how often do you check your credit reports? Have you found conflicting information between the two companies?
Thanks for reading!