Exposed! The Raw Truth about TransUnion Credit Bureau

As a credit reporting company, TransUnion keeps credit history information about consumers. TransUnion compiles all the information they receive from lenders, and compiles it into a credit report. Whenever you apply for any type of credit, a lender pays to pull your credit record to see your financial history. Prospective employers are allowed to pay to see your credit, also. TransUnion Credit Bureau as Union Tank Car Company, a railcar leasing operation. In 1969, TransUnion acquired the Credit Bureau of Cook County, and began to take the shape of the company today. Throughout the 1970s and 1980s, TransUnion Credit Bureau continued to expand. In 1988, TransUnion achieved full coverage in the United States, holding information on basically any active consumer in the country. Today, TransUnion extends to 25 countries on five continents. TransUnion is privately held, meaning that it is not publicly traded. To check TransUnion credit report, you can visit www.annualcreditreport.com to receive a free copy of your report. This service can only be used once a year. You can also visit www.transunion.com to access your credit report. There are sales, but in most cases, there is a cost associated with accessing your TransUnion credit report. After you access your TransUnion credit report, you may find problems or mistakes. When this is the case, you must dispute these errors. To dispute an error on your TransUnion report, you can log on to TransUnion’s website and go through the motions there. However, it’s very important to know that sometimes getting an TransUnion dispute corrected can be very time consuming and cumbersome. And, after your hard work, your may get no results. Many consumers have the same thoughts as this one “Reading my credit report was very confusing and unnerving. When I did think I understood, and took action against my disputes, I waited what seemed like forever to hear a reply. When I did finally get an answer, it was no, and I was right back where I started.” Another consumer says this about disputing an error on his credit report: “I had some many negative marks on my report; I didn’t know where to start. Reading these reports is very overwhelming, and I really wish that someone would help me figure out this mess!”