How To Get Your Free TransUnion Credit Report Directly
AnnualCreditReport.com is the standard way to get all three credit reports, but sometimes you need to pull your TransUnion report directly from the source. Maybe you've already used your weekly AnnualCreditReport.com pull, or you want to see if TransUnion's direct site shows more current information.
Here's how to get it without falling into their upsell trap.
Why Pull Direct from TransUnion?
TransUnion's direct site sometimes has more up-to-date information than AnnualCreditReport.com. The format is slightly different, which can make certain things easier to spot. If you've exhausted your weekly pull from AnnualCreditReport.com, this gives you another option. Their site also makes it easier to start disputes immediately after viewing your report.
Getting Your Report
Go directly to https://service.transunion.com/dss/disclosure.page. Don't start at TransUnion.com and try to navigate to the free report. They'll push you through their paid monitoring services first. The direct link skips all that.
Click the "REQUEST A NEW REPORT" button. This gets you the free report, not their paid services.
They'll ask for your full name (use your legal name, not nicknames), Social Security number, date of birth, and current address. Use whatever name appears on your credit accounts. If you're "Robert" on your accounts but go by "Bob," use Robert.
Next comes identity verification questions. They'll ask about previous addresses, loan amounts, creditor names, monthly payment amounts. These are multiple choice. If you genuinely don't know the answer, choose "None of the above" or "I don't recognize any of these." Don't guess.
Choose the PDF download option when they offer it. You want a permanent copy you can reference later, especially for disputes. Don't just view it online and close the tab.
Download the PDF immediately. Save it with a clear filename like "TransUnion_Report_2025_07_04.pdf" and put it somewhere you'll remember. Don't bookmark the page and plan to come back later. That link expires.
What's in the Report
Your TransUnion report shows your personal information (addresses, employment, names you've used), all your credit accounts with payment history and current balances, public records like bankruptcies that stay for 7-10 years, hard inquiries from when you applied for credit, and any collections or charge-offs.
What to Look For
Accounts you don't recognize could be identity theft or reporting errors. Wrong addresses or names might mean your file got mixed with someone else's. Late payments you know you made on time need disputing. Negative items older than 7 years should have fallen off. Hard inquiries from companies you never applied with are unauthorized.
Avoiding the Upsell
TransUnion will try to sell you monitoring services. Don't click on monitoring offers. Some buttons that look like "Continue" are sign-ups for paid services. Read carefully. If they ask for payment information for a "free" service, back out. The real free report never needs a credit card. If you accidentally sign up for something, cancel it immediately.
After You Get Your Report
Go through it line by line. Errors hide in the details. Compare it to your Experian and Equifax reports if you have them. Document anything wrong, incomplete, or suspicious. Dispute errors through our dispute process using professional letter templates. Check your report regularly to see if disputes get processed and if new information appears.
Common Questions
You can get one free TransUnion report per year directly from TransUnion, or weekly from AnnualCreditReport.com. Use AnnualCreditReport.com for regular monitoring.
No credit card required. If they ask for payment information, you've clicked on a paid service by mistake.
Yes, you can download as a PDF. Always choose this option so you have a permanent copy.
TransUnion Direct is your credit report (the raw data). Your FICO score is a number calculated from that data. They're different things.
AnnualCreditReport.com is the federally-mandated site offering weekly free reports from all three bureaus. TransUnion.com is TransUnion's direct site, which may have more current data but will try to upsell you on monitoring services.
When to Use Which Site
Use AnnualCreditReport.com when you want all three reports at once, want the standardized format, or are doing your regular weekly check.
Use TransUnion direct when you need the most current TransUnion data, want to dispute items immediately after viewing, or have already used your weekly AnnualCreditReport.com access.
The Bottom Line
Getting your TransUnion report directly gives you another tool for monitoring your credit. It's free, legitimate, and shows the same information lenders see when they check your TransUnion credit.
The report is only valuable if you use it. Don't download it and forget about it. Review it, dispute errors, track your progress. Your credit matters too much to ignore, and now you have direct access to one of the three major pieces.
Got your TransUnion report? Upload it to see what's impacting your score and get professional dispute letters for any errors.