{"id":27144,"date":"2025-05-02T07:03:38","date_gmt":"2025-05-02T07:03:38","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=27144"},"modified":"2025-12-23T10:28:36","modified_gmt":"2025-12-23T10:28:36","slug":"transunion","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/","title":{"rendered":"Who Are TransUnion? Everything You Need to Know About TransUnion"},"content":{"rendered":"\n<p>TransUnion is one of the three main Credit Reporting Agencies (CRAs) in the UK. It was founded in 1968 with its headquarters in Chicago, USA. They now operate in over 30 countries. <strong>TransUnion provides credit information and credit scores for businesses and consumers<\/strong>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f25d37c22ea\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f25d37c22ea\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#what_is_transunion\" >What is TransUnion?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#what_does_transunion_do\" >What Does TransUnion Do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#services_and_products_offered_by_transunion\" >Services and Products Offered by TransUnion<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#1_credit_report\" >1. Credit Report<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#2_credit_score\" >2. Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#3_fraud_protection\" >3. Fraud Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#4_financial_education\" >4. Financial Education<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#5_data_security\" >5. Data Security<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_does_transunion_collect_data\" >How Does TransUnion Collect Data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#what_types_of_data_does_transunion_collect\" >What Types of Data Does TransUnion Collect?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#1_some_personal_information\" >1. Some Personal Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#2_whether_you_are_on_the_electoral_roll\" >2. Whether You are on the Electoral Roll<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#3_a_list_of_all_your_credit_accounts\" >3. A List of All Your Credit Accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#4_public_information\" >4. Public Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#5_financial_associations\" >5. Financial Associations<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_does_transunion_use_this_data\" >How Does TransUnion Use This Data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#which_companies_use_transunion\" >Which Companies Use TransUnion?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_can_i_request_my_credit_report_from_transunion\" >How Can I Request My Credit Report from TransUnion?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_reliable_is_the_transunion_credit_score\" >How Reliable is the TransUnion Credit Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#what_is_a_good_credit_score_with_transunion_uk\" >What is a Good Credit Score with TransUnion UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#why_is_my_transunion_credit_score_lower_than_equifax\" >Why is My TransUnion Credit Score Lower than Equifax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_can_i_improve_my_transunion_credit_score\" >How Can I Improve my TransUnion Credit Score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#1_make_your_payments_on_time\" >1. Make Your Payments on Time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#2_dont_make_lots_of_new_applications_close_together\" >2. Don\u2019t Make Lots of New Applications Close Together<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#3_register_on_the_electoral_roll\" >3. Register on the Electoral Roll<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#4_remove_links_to_anyone_youre_no_longer_connected_to_financially\" >4. Remove Links to Anyone You\u2019re No Longer Connected to Financially<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#5_dont_use_up_all_your_available_credit\" >5. Don\u2019t Use Up All Your Available Credit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#what_are_some_alternatives_to_transunion\" >What are Some Alternatives to TransUnion?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_can_i_raise_a_dispute_with_transunion\" >How Can I Raise a Dispute With TransUnion?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#faqs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_can_i_contact_transunion\" >How Can I Contact TransUnion?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/#how_do_i_cancel_my_transunion_account\" >How Do I Cancel My TransUnion Account?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_transunion\"><\/span><strong>What is TransUnion?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>TransUnion<\/strong> is one of the three main <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-reference-agencies\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit Reference Agencies<\/a><\/strong> (CRA) in the UK. The other two are Experian and Equifax. <strong>As a CRA, TransUnion gathers information on your financial activity \u2013 past and present. <\/strong>They collect your financial information and use the information to generate your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_does_transunion_do\"><\/span><strong>What Does TransUnion Do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>TransUnion collects information on how you handle your finances to document a history of your financial situation. Your unique credit report is created using this information, providing valuable insights. <strong>It is gathered from a variety of sources, including:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks<\/li>\n\n\n\n<li>Credit card companies<\/li>\n\n\n\n<li>Loan companies<\/li>\n\n\n\n<li>Public records<\/li>\n<\/ul>\n\n\n\n<p><strong>Your credit report helps identify you as well as provide insights into your financial history<\/strong>. It shows how well you\u2019ve maintained your loan and credit accounts, both past and present. TransUnion uses your credit report to give you a credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"services_and_products_offered_by_transunion\"><\/span><strong>Services and Products Offered by TransUnion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are many services offered by <strong><a href=\"https:\/\/www.transunion.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">TransUnion<\/a><\/strong>:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_credit_report\"><\/span><strong>1. Credit Report<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-report\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a><\/strong> contains key information about you that lenders use to help make lending decisions. This includes your personal details, payment history, and whether you&#8217;re listed on the electoral roll. It also shows any information recorded on public registers, such as County Court Judgments (CCJs) or bankruptcies<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_credit_score\"><\/span><strong>2. Credit Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>TransUnion uses the information in your credit report to <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-check-your-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>give you a credit score<\/strong><\/a>. <strong>Credit scores are a number that shows your creditworthiness.<\/strong> They give you a guide on how lenders will view you when you apply for loans and <a href=\"https:\/\/www.drafty.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>lines of credit<\/strong><\/a>.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-good-credit-score-uk\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>higher your credit score<\/strong><\/a>, the more likely you are to be approved for credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_fraud_protection\"><\/span><strong>3. Fraud Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>TransUnion offers tools and services that help detect and prevent fraud. These include detection systems, validation tools, and consultancy support. By regularly checking your own credit file, you may be able to spot signs of fraud early<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_financial_education\"><\/span><strong>4. Financial Education<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>TransUnion provides answers to common questions about credit reports. It also shares information on how to protect yourself from identity fraud.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_data_security\"><\/span><strong>5. Data Security<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The information TransUnion holds about you is stored securely and in line with UK data protection laws. You also have rights around how your data is used. More details are available on their website.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_does_transunion_collect_data\"><\/span><strong>How Does TransUnion Collect Data?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>TransUnion collects its information from a few different sources. But every bit of information is based on an activity you\u2019ve carried out with a business, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/direct-lenders-uk\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Direct Lenders<\/strong><\/a><\/li>\n\n\n\n<li>Banks<\/li>\n\n\n\n<li>Landlords<\/li>\n\n\n\n<li>Utility and mobile phone companies<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_types_of_data_does_transunion_collect\"><\/span><strong>What Types of Data Does TransUnion Collect?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_some_personal_information\"><\/span><strong>1. Some Personal Information<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your name<\/li>\n\n\n\n<li>Your date of birth<\/li>\n\n\n\n<li>Your current and previous addresses<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_whether_you_are_on_the_electoral_roll\"><\/span><strong>2. Whether You are on the Electoral Roll<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your credit report will show if you&#8217;re registered to vote. This helps lenders verify your identity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_a_list_of_all_your_credit_accounts\"><\/span><strong>3. A List of All Your Credit Accounts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This covers all types of credit accounts, including bank accounts, <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a><\/strong>, mortgages, and credit cards, even those designed for bad credit. Your report will show your payment history for each account, including whether payments are made on time or late.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_public_information\"><\/span><strong>4. Public Information<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This includes items on the public record, such as County Court Judgements (CCJs), bankruptcies, and repossessions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_financial_associations\"><\/span><strong>5. Financial Associations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you have joint accounts or borrowing with someone else, they\u2019ll be listed as a financial associate. Lenders may check their credit history as part of assessing your application.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_does_transunion_use_this_data\"><\/span><strong>How Does TransUnion Use This Data?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>TransUnion uses the information in your credit file to give you a credit score. <strong>Credit scores are a number that shows how credit worthy you are.<\/strong> The higher your credit score, the more likely you are to be approved for credit.<\/p>\n\n\n\n<p><strong>The information TransUnion holds can also be seen by lenders when they do a <\/strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-check\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>credit check<\/strong><\/a>. This is carried out when you apply to borrow money, it\u2019s known as a <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/hard-credit-check\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>hard credit check<\/strong><\/a>. You\u2019ll know if a lender has done a hard credit check on you as it\u2019ll appear on your credit file.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"which_companies_use_transunion\"><\/span><strong>Which Companies Use TransUnion?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Only organisations with a valid reason can access your TransUnion credit report. The information is secure and protected by data privacy laws, so not just anyone can view it. A business must have a legitimate interest to access your credit report. Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lenders<\/strong><\/li>\n\n\n\n<li><strong>Banks<\/strong><\/li>\n\n\n\n<li><strong>Landlords<\/strong><\/li>\n\n\n\n<li><strong>Utility providers and mobile phone companies<\/strong><\/li>\n<\/ul>\n\n\n\n<p>These are also the types of companies that may report information about you to TransUnion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_can_i_request_my_credit_report_from_transunion\"><\/span><strong>How Can I Request My Credit Report from TransUnion?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Customers and individuals can request a copy of your TransUnion credit report. You first need to register with TransUnion. Once you\u2019ve logged in, you\u2019ll be able to see your credit report and will have the option to \u2018Save as a PDF\u2019. This will then allow you to download and save your credit report to a folder on your computer.<\/p>\n\n\n\n<p>Note that you can get a report for free only once a year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_reliable_is_the_transunion_credit_score\"><\/span><strong>How Reliable is the TransUnion Credit Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your TransUnion credit score is reliable based on the information it holds on you. It won\u2019t give you a score based on information held with other Credit Reference Agencies. That\u2019s one of the reasons why your credit score will be different to your score with the other two CRAs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_a_good_credit_score_with_transunion_uk\"><\/span><strong>What is a Good Credit Score with TransUnion UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>A good credit score with TransUnion will fall between 604 and 627.<\/strong> The table below shows all of their credit scoring ranges.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Score<\/strong><\/td><td><strong>Very Poor\/Poor<\/strong><\/td><td><strong>Fair<\/strong><\/td><td><strong>Good\/Very Good<\/strong><\/td><td><strong>Excellent<\/strong><\/td><\/tr><tr><td>TransUnion<\/td><td>0-565<\/td><td>566-603<\/td><td>604-627<\/td><td>628-710<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"why_is_my_transunion_credit_score_lower_than_equifax\"><\/span><strong>Why is My TransUnion Credit Score Lower than Equifax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Credit scores can vary across CRAs because:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They use different scoring ranges.<\/li>\n\n\n\n<li>Not all lenders report to every CRA.<\/li>\n\n\n\n<li>Your credit report may contain different information for each agency.<\/li>\n<\/ul>\n\n\n\n<p>The table below shows you the different ranges the two reference agencies use:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Score Range<\/strong><\/td><td><strong>Very Poor\/Poor<\/strong><\/td><td><strong>Fair<\/strong><\/td><td><strong>Good\/Very Good<\/strong><\/td><td><strong>Excellent<\/strong><\/td><\/tr><tr><td><strong>Equifax<\/strong><\/td><td>0-438<\/td><td>439-530<\/td><td>531-810<\/td><td>811-1,000<\/td><\/tr><tr><td><strong>TransUnion<\/strong><\/td><td>0-565<\/td><td>566-603<\/td><td>604-627<\/td><td>628-710<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_can_i_improve_my_transunion_credit_score\"><\/span><strong>How Can I Improve my TransUnion Credit Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your TransUnion credit score is low, there are solutions and things you can do to improve it:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_make_your_payments_on_time\"><\/span><strong>1. Make Your Payments on Time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every late payment you make <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/why-has-my-credit-score-gone-down\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>brings down your credit score<\/strong><\/a>. If you set up a direct debit you can make sure your payments go out on the day your salary goes in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_dont_make_lots_of_new_applications_close_together\"><\/span><strong>2. Don\u2019t Make Lots of New Applications Close Together<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every application you make shows up on your credit file. Even though it only stays on there for 12 months, it impacts your credit score. If you make a lot of applications in a short space of time, it makes you look desperate for money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_register_on_the_electoral_roll\"><\/span><strong>3. Register on the Electoral Roll<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re not already enrolled to vote, consider registering. <strong>It\u2019ll give your credit score a boost and could help with future applications for credit you make<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_remove_links_to_anyone_youre_no_longer_connected_to_financially\"><\/span><strong>4. Remove Links to Anyone You\u2019re No Longer Connected to Financially<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019ve taken out loans or had a joint bank account with someone, it shows on your credit file. If they have a poor credit score, it\u2019ll affect you when you apply for credit. That\u2019s why, if you\u2019re no longer linked to them, it\u2019s worth getting them removed from your credit file.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_dont_use_up_all_your_available_credit\"><\/span><strong>5. Don\u2019t Use Up All Your Available Credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lenders like to see that you can manage your money well. <strong>By not borrowing up to your credit limit you\u2019re showing that you\u2019re in control of your spending<\/strong>. If you can, try to keep your borrowing to around 30% of your credit limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_are_some_alternatives_to_transunion\"><\/span><strong>What are Some Alternatives to TransUnion?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>TransUnion is one of the top three Credit Reference Agencies in the UK. To find out what Experian or Equifax are reporting on you, you\u2019d have to go direct to them.<\/p>\n\n\n\n<p><strong>You can also get access to your TransUnion credit report through one of the UK\u2019s credit monitoring services<\/strong>. TransUnion partners with the following services:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Karma<\/strong><\/li>\n\n\n\n<li><strong>Check My File<\/strong><\/li>\n\n\n\n<li><strong>TotallyMoney<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_can_i_raise_a_dispute_with_transunion\"><\/span><strong>How Can I Raise a Dispute With TransUnion?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you find a mistake on your credit report, a solution is to raise a dispute with TransUnion. These are the steps to resolve any mistakes:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Notify TransUnion that there\u2019s an error on your credit file: <\/strong>You can do this by raising a dispute with them.<\/li>\n\n\n\n<li><strong>You\u2019ll need to provide your personal details<\/strong>: TransUnion will need this from you so that you can be verified. Then you can tell them which entry is incorrect on your credit report.<\/li>\n\n\n\n<li><strong>TransUnion will investigate your claim<\/strong>: They may ask for more evidence from you, or they\u2019ll contact the lender who reported the entry.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1746168382032\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_can_i_contact_transunion\"><\/span><strong>How Can I Contact TransUnion?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>You can contact TransUnion by email or phone<\/strong>. Here are their contact details:<br \/>1. <a href=\"mailto:UKConsumer@transunion.com\" target=\"_blank\" rel=\"noreferrer noopener\">UKConsumer@transunion.com<\/a><br \/>2. 0330 024 7574<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746168393729\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_do_i_cancel_my_transunion_account\"><\/span><strong>How Do I Cancel My TransUnion Account?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If you\u2019ve registered with one of TransUnion\u2019s partners, you\u2019d have to contact them directly to cancel your account. <strong>You can do this online, by email or through the post<\/strong>. When you log into your account, you\u2019ll find details on how you can cancel your membership.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer: <\/strong>The above content is provided for reference only. For more information about Transunion services please visit their main website. Also, the external links linked above are for reference only and we are not affiliated to any of the external parties linked here.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>TransUnion is one of the three main Credit Reporting Agencies (CRAs) in the UK. It was founded in 1968 with its headquarters in Chicago, USA. They now operate in over 30 countries. TransUnion provides credit information and credit scores for businesses and consumers. What is TransUnion? TransUnion is one of the three main Credit Reference [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":27146,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[139],"tags":[],"class_list":["post-27144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27144"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=27144"}],"version-history":[{"count":7,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27144\/revisions"}],"predecessor-version":[{"id":28167,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27144\/revisions\/28167"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/27146"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=27144"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=27144"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=27144"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}