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Effective URL: https://www.transunion.com/privacy/transunion
Submission: On October 04 via api from US — Scanned from DE
Effective URL: https://www.transunion.com/privacy/transunion
Submission: On October 04 via api from US — Scanned from DE
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</form>Text Content
* Personal
* Business
* Search
SSN search not allowed
* us United States
Global Presence United States
* Products
* PREMIUM
PREMIUM
* Credit Monitoring
* Identity Theft Protection
* Score Simulator
* FREE
FREE
* Free Annual Credit Report
* Freeze Credit Report
* Dispute Credit Report
* TransUnion Credit Report
* Fraud Alert
* Active Duty Credit Monitoring
BE IN THE KNOW WITH TRANSUNION®
Would you like to start monitoring your credit?
Yes, Start Monitoring My Credit
WHAT YOU NEED TO KNOW:
The credit scores provided are based on the VantageScore® 3.0 model. Lenders
use a variety of credit scores and are likely to use a credit score different
from VantageScore® 3.0 to assess your creditworthiness. Subscription price is
$29.95 per month (plus tax where applicable).
* Resources
* CREDIT 101
CREDIT 101
* What is a Credit Score & How is it Affected
* TransUnion Credit Report
* Fraud Victim Resources
* Credit Cards
* CREDIT MANAGEMENT
CREDIT MANAGEMENT
* Inquiries & Credit Disputes
* Dispute Credit Report
* Freeze Credit Report
* Debt & Money Management
* Financial Hardship
* CREDIT EDUCATION
CREDIT EDUCATION
* Build Credit Health
* Credit Monitoring
* Identity Theft Resources
* Understanding Credit Repair
* CREDIT TOOLS
CREDIT TOOLS
* Reading Your Credit Report
* Mortgage Calculator
* Amortization Calculator
* Simple Loan Calculator
BE IN THE KNOW!
Get your Credit Report
Your credit report is part of your unique financial story.
Get your Credit Report
* Services
* FREE
FREE
* Free Annual Credit Report
* TransUnion Credit Report
* Dispute Credit Report
* Freeze Credit Report
* Fraud Alert
* Active Duty Credit Monitoring
* Consumer Support Services
* Consumer Privacy Rights
* OFFERS
OFFERS
* Credit Cards
* Auto Insurance
* Personal Loans
* Deposits
* Password Protection
BE IN THE KNOW!
Get your Credit Report
Your credit report is part of your unique financial story.
Get your Credit Report
* Insights
* INSIGHTS
INSIGHTS
* Car Buying Tips
* Build Credit Health
* Debt & Money Management
* Financial Hardship
* Identity Theft Resources
* Life Events
* Student Loans
BE IN THE KNOW!
Get your Credit Report
Your credit report is part of your unique financial story.
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* About
* ABOUT
ABOUT
* About Us
* Careers
* Investor relations
* Newsroom
* Financial Inclusion
* Sustainability
* Diversity, Equity & Inclusion
BE IN THE KNOW!
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Your credit report is part of your unique financial story.
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* Consumer Support
*
* Member Login
* Member Login
* Get Credit Monitoring
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TRANSUNION LLC PRIVACY NOTICE
Privacy Notices
TransUnion LLC Privacy Notice
* TransUnion LLC Privacy Notice
* TransUnion Consumer Interactive
* Marketing Solutions
* TransUnion Rental Screening Services (TURSS)
* TransUnion Risk and Alternative Data Solutions (TRADS)
* Global Job Applicant
* iovation
* Signal Digital, Inc. Privacy Policy
* TruAudience(R) Marketing Solutions Privacy Notice
* International Regions
* TransUnion Customer/Partner Portal
* Neustar
Print
This notice was last modified on and has an effective date of July 14, 2023.
We have recently updated our Privacy Notice. Be sure to review the notice
carefully to understand our privacy practices.
--------------------------------------------------------------------------------
Neustar, Sontiq, Argus, and Commerce Signals are now TransUnion companies. To
learn how these companies handle personal information about you and the rights
you may have regarding that personal information, please visit the Neustar
Privacy Notice, the Sontiq Privacy Center, the Argus Privacy Notice, and
Commerce Signals Privacy Notice.
--------------------------------------------------------------------------------
This Privacy Notice (“Notice”) provides information about how TransUnion LLC
(“TransUnion,” “we,” “us,” “our”) handles personal information about you and
describes the rights you may have regarding your personal information. This
Notice applies to TransUnion LLC and its online and offline collection, use,
sale, sharing, and disclosure of personal information.
For transparency purposes only, this Notice provides limited information
regarding certain consumer credit reporting and other regulatory activities,
governed by the Fair Credit Reporting Act (“FCRA”), including use of the
Consumer Online Self Service, Digital Self Service, and TransUnion FactAct
website, as well as certain business solutions. For more information, please
navigate to the “Rights under the Fair Credit Reporting Act (FCRA)” section
below.
This Notice does not cover TransUnion Consumer Interactive, Marketing Solutions,
TransUnion Rental Screening Solutions (“TURSS”), TransUnion Risk and Alternative
Data Solutions (“TRADS”), iovation, Signal Digital, Inc., TruAudience Marketing
Solutions, TransUnion Customer/Partner Portal, our international regions, and
your interactions with TransUnion as a job applicant. Please visit their
respective privacy notices via the links on the left-hand side of this page.
Use of our online and offline services constitutes your agreement to the terms
of this Notice. If you do not agree with the terms of this Notice, please do not
use our online or offline services.
Visit our Consumer Privacy Rights page to exercise your privacy choices and
rights.
--------------------------------------------------------------------------------
Notice at Collection: We collect personal information as detailed in this
Notice. The categories of personal information that we collect are listed below
under “Personal information we collect,” and the purposes for which we collect
and use personal information are listed below under “Purpose and use of personal
information.” To learn more about your privacy rights, including your right to
opt out of the sale or sharing of your personal information, please navigate to
the “Consumer privacy rights” section below. Our retention practices are
outlined below under “Retaining personal information.”
--------------------------------------------------------------------------------
View TransUnion's California Consumer Privacy Act (CCPA) Metrics.
1. PERSONAL INFORMATION WE COLLECT
When you interact with us, we may collect information to help identify and
contact you, including, but not limited to, your name, email address, physical
address, telephone number (landline and/or mobile), and Social Security number.
If you create an account, we will collect your username, password, date of
birth, employment information, credit card and loan account information,
information about dispute(s) you raise regarding your credit report, and
information you provide to support the issue you raised.
We also collect information about the device you use to access our online
services. This includes device ID, advertising ID, your browser, your browsing
history while using our online services (for example, the pages you view, how
long you stay on each page, how often you return, and/or the site you visit when
you leave us), the ads or online content you viewed, accessed, or clicked.
We collect your IP address and information related to that IP address, such as,
geographical information, domain information, and the internet service provider
used. We may also use various technologies to determine your location, including
IP address, Wi-Fi access points, and cell towers.
As an information solutions provider, we collect different types of personal
information about you from various sources. The below chart describes the
categories of personal information we may have collected in the past 12 months,
and from whom we collected the personal information, listed by category of
personal information.
Category of Personal Information
Personal information we collect
From whom we collect it
Identifiers
What we collect
* Name (first, last, and/or maiden name) (or that of a family member or child);
home address, billing address, or other physical address; email address(es);
telephone number(s)
* Device identification information used to access our websites; we may
associate this device with a mobile telephone number
* Information collected passively via cookies and similar technology
* IP addresses, device identifiers, and application identifiers
* Categories of Sensitive Personal Information: Social Security number or
certain other information, such as date of birth, employment information, and
credit card account information
From whom we collect it (by category of sources):
* Information you provide
* Information collected passively via cookies and similar technology.
* Advertising Partners.
* Banks/credit unions
* Collection agencies
* Credit reporting agencies
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Government entities
* Information that is publicly available
* Insurance carriers
* Marketing companies
* TransUnion Companies
Personal information categories listed in the California Customer Records
statute
Any information that identifies, relates to, describes, or is capable of being
associated with, a particular individual, including, but not limited to, an
individual’s name, signature, Social Security number, physical characteristics
or description, address, telephone number, passport number, driver's license or
state identification card number, insurance policy number, education,
employment, employment history, bank account number, credit card number, debit
card number, or any other financial information, medical information, or health
insurance information.
Note that personal information in this category may overlap with other
categories.
Note that personal information in this category may overlap with other
categories
What we collect
* Name (first, last, and/or maiden name) (or that of a family member or child);
home address, billing address, or other physical address; email address(es),
telephone number(s)
* Device identification information, which we may associate with a mobile
telephone number
* Information collected passively via cookies and similar technology.
* Revenue-related information of Subscribers
* IP addresses, device identifiers, and application identifiers
* Categories of Sensitive Personal Information: Social Security number or
certain other information, such as date of birth, employment information, and
credit card account information
From whom we collect it (by category of sources)
* Information you provide
* Information collected passively via cookies and similar technology
* Advertising Partners
* Banks/credit unions
* Collection agencies
* Credit reporting agencies
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Public records made lawfully available from Government agencies
* Government (information not in public records)
* Insurance carriers
* Marketing companies
* TransUnion companies
Characteristics of protected classifications under state or federal law
An individual’s age (40 years or older), race, color, ancestry, national origin,
citizenship, religion or creed, marital status, medical condition, physical or
mental disability, sex (including gender, gender identity, gender expression,
pregnancy or childbirth and related medical conditions), sexual orientation,
veteran or military status, genetic information (including familial genetic
information).
What we collect
* Categories of Sensitive Personal Information: Age, race, ethnicity, religion,
marital status, political party affiliation, country of origin, spoken
language, and gender
From whom we collect it (by category of sources)
* Information you provide
* Advertising partners
* Banks/credit unions
* Collection agencies
* Credit reporting agencies
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Public records made lawfully available from Government agencies
* Government (information not in public records)
* Insurance carriers
* Marketing companies
* TransUnion Companies
Commercial information
What we collect
* Records of online services you purchased, obtained, or considered purchasing
from us
* Property records
* Small/personally-owned business data
* Business data that identifies, describes, or could reasonably be
linked/associated to you
From whom we collect it (by category of sources)
* Information you provide
* Banks/credit unions
* Collection agencies
* Credit reporting agencies
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Public records made lawfully available from Government agencies
* Government (information not in public records)
* Insurance carriers
* Marketing companies
Biometric information
What we collect
* Audio recordings as part of contact with you, for customer support or
otherwise
* Facial imaging information
From whom we collect it (by category of sources)
* Information directly collected from you
Internet or other similar electronic network activity
What we collect
* Information about your interactions with the website, for example, when you
view or search content, we receive and track that information; web session;
log file information; information such as the website(s) you visited, when
you visited the website, how long you stayed, your behavior while you are on
our website and from what device you accessed the website
* Information collected from advertising partners
* Information about your interactions with online forms; for example, the use
of autofill, number of pauses, length of time to complete a field, number of
errors, number of changed answers, typing fluency and number of repeat
interactions
From whom we collect it (by category of sources)
* Information directly collected from you
* Information collected passively via cookies and similar technology
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Marketing companies
* TransUnion companies
Geolocation data
What we collect
* Your location via IP address, Wi-Fi access points, and cell towers
From whom we collect it (by category of sources)
* Information directly collected from you
* Information collected passively via cookies and similar technology
* Telecommunications providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Marketing companies
* TransUnion companies
Sensory data
What we collect
* Audio and electronic recording, for example, when you call in with a question
to customer service
From whom we collect it (by category of sources)
* Information directly collected from you
Professional or employment-related information
What we collect
* Professional Licenses
* Employment Dates
* Employer Name
* Employer Information
From whom we collect it (by category of sources):
* Information you provide
* Banks/credit unions
* Collection agencies
* Credit reporting agencies
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Public records made lawfully available from Government agencies
* Government (information not in public records)
* Insurance carriers
* Marketing companies
* TransUnion companies
Non-public education information (per the Family Educational Rights and Privacy
Act)
* We do not collect this category of information
Inferences drawn from other personal information
What we collect
* Site preferences, behavior, characteristics, personal preferences
From whom we collect it (by category of sources)
* Information directly collected from you
* Information collected passively via cookies and similar technology
* Information collected from advertising partners
* Banks/credit unions
* Collection agencies
* Credit reporting agencies
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Public records made lawfully available from Government agencies
* Government (information not in public records)
* Insurance carriers
* Marketing companies
* TransUnion companies
2. PURPOSE AND USE OF PERSONAL INFORMATION
We collect your personal information for different purposes. For example, we may
use it in the following ways:
* to communicate with you and internal parties, on a strict need to know basis,
regarding your credit report inquiries and/or complaints;
* to create products and services;
* to update our consumer credit database;
* to verify your identity;
* to prevent fraud and unauthorized disclosures of your personal information;
* to record and demonstrate how we have conducted the dispute and complaint
resolution process and arrived at a resolution; and
* to comply with legal requirements, for example, to report on equal employment
opportunities.
We describe the purpose for collecting personal information, listed by
categories of personal information, in the chart below. Please note that a
specific piece of personal information may fall into one or more categories of
personal information.
Category of Personal Information
Purpose of Collection
Identifiers and personal information categories listed in the California
Customer Records statute
* To verify your identity
* To finalize an application and otherwise set up an account for access to the
online services
* To enhance and optimize an account for access to and use of the online
services
* To display, optimize, and provide personalized advertisement
* To communicate with you
* To conduct surveys used for research, analytics, and to enhance our product
development and offerings
* For fulfillment of your requests and purchases, transactional and other
communications about our websites and the online services
* For product development and research, and for any purpose subject to the
limitations set forth in this Notice and applicable law
* For incorporation into risk and account management and services provided to
our customers
* We may utilize data from third parties, such as your telecommunications
provider, to help confirm your identity and prevent fraudulent access. It is
likely that you authorize your telecommunications provider (AT&T, Sprint,
T-Mobile, Verizon, etc.) to share your personal information for the purposes
of fraud prevention and identity verification. The information they share, if
available, may include your telephone number, name, address, email, network
status, customer type, billing type, mobile identifiers (IMSI) and (IMEI),
and other subscriber status details; TransUnion limits the use of this
information to prevent fraud and unauthorized access or disclosures of your
personal information.
Characteristics of protected classifications under state or federal law
* To verify your identity
* To finalize an application and otherwise set up an account for access to the
online services
* To enhance and optimize an account for access to and use of the online
services
* To display, optimize, and provide personalized advertisements
* To communicate with you
* For product development and research, and for any purpose subject to the
limitations set forth in this Notice and applicable law
* For incorporation into risk and account management services provided to our
customers
Commercial information
* For product development and research, and for any purpose subject to the
limitations set forth in this Notice and applicable law
* To enhance and optimize an account for access to and use of the online
services
* To display, optimize, and provide personalized advertisements
* For fulfillment of your requests and purchases, transactional and other
communications about our websites and the online services
* For incorporation into risk and account management services provided to our
customers
Biometric information
* Customer service and quality control
* To verify your identity
Internet or other similar electronic network activity
* To display, optimize, and personalize advertisements
* To measure advertising effectiveness
* To perform website analysis
* To predict the risk of fraud
Geolocation data
* To verify your identity
* To finalize an application and otherwise set up an account for access to the
online services
* To enhance and optimize an account for access to and use of the online
services
* To display, optimize, and provide personalized advertisements
* To communicate with you
* For product development and research, and for any purpose subject to the
limitations set forth in this Notice and applicable law
* For incorporation into risk and account management services provided to our
customers
Sensory data
* For customer service purposes and to support consumers
* To train agents to ensure best customer service delivery
* To ensure legal and compliance obligations
* To help answer questions and resolve disputes
* For customer service representatives agent training purposes and to ensure
customer satisfaction
Professional or employment information
* To finalize an application and otherwise set up an account for access to the
online services
* To enhance and optimize an account for access to and use of the online
services
* To display, optimize, and provide personalized advertisements
* To communicate with you
* For fulfillment of your requests and purchases, transactional and other
communications about our websites and the online services
* For incorporation into risk and account management services provided to our
customers
Non-public education information (per the Family Educational Rights and Privacy
Act)
* We do not collect this category of information.
Inferences drawn from other personal information
* To create a customer profile in order to better optimize your customer
experience and offer personalized advertisements
* To verify your identity
* To finalize an application and otherwise set up an account for access to the
online services
* To enhance and optimize an account for access to and use of the online
services
* To display, optimize, and provide personalized advertisements
* To communicate with you
* For fulfillment of your requests and purchases, transactional and other
communications about our websites and the online services
* For incorporation into risk and account management services provided to our
customers
3. DISCLOSING FOR A BUSINESS PURPOSE AND SELLING/SHARING PERSONAL INFORMATION
In the prior 12 months, we may have sold or shared for a commercial purpose or
disclosed for a business purpose your personal information to different third
parties, as detailed in the chart below. Please note that TransUnion may share
your personal information for a targeted advertising purpose.
Category of Personal Information
Sold or shared, by category of third parties
Disclosed for a business purpose, by category of third parties
Identifiers and personal information categories listed in the California
Customer Records statute
* Advertising networks
* Banks/Credit Unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/Credit Unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (Fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
Characteristics of protected classifications under state or federal law
* Advertising networks
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
Commercial information
* Advertising networks
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
Biometric information
* We do not sell/share this category of information
* Biometric analytics providers
* Government agencies
Internet or other similar electronic network activity
* Advertising networks
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/credit unions
* Biometric analytics providers
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
Geolocation data
* Advertising networks
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
Sensory data
* We do not sell/share this category of information.
* We do not disclose this category of information for a business purpose.
Professional or employment-related information
* Advertising networks
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
Non-public education information (per the Family Educational Rights and Privacy
Act)
* We do not sell/share this category of information.
* We do not disclose for a business purpose this category of information.
Inferences drawn from other Personal Information
* Advertising networks
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Retail merchants
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
* Banks/credit unions
* Collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers, which include data aggregators, data compilers, and data
compilers/originators
* Financial technology (fintech) companies
* Government agencies
* Identity verification companies
* Insurance carriers/agencies/ partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Service providers
* Social networks
* Survey providers
* TransUnion companies
* Utility providers
4. CORPORATE REORGANIZATION
In the event that we enter into, or intend to enter into, a transaction that
alters the structure of our business, such as a reorganization, merger,
acquisition, sale, joint venture, assignment, consolidation, transfer, change of
control, or other disposition of all or any portion of our business, we may
share your personal information. We may also share your personal information if
we undergo bankruptcy or liquidation, in the course of such proceedings.
5. COOKIES, PIXELS, AND SIMILAR TECHNOLOGY
Information collected passively via cookies and similar technology: A cookie is
a small text file that a web server places on your computer or device when your
browser accesses a website. Cookies store data specific to a client or website
and are designed to create a record of or “remember” online activity. We use
cookies for a number of different purposes. Some cookies are necessary to ensure
the site functions properly and some enable us to deliver an individualized
online services experience.
You generally have the ability to accept or decline most types of cookies. We do
not respond to browser Do Not Track requests. Most web browsers give you a
choice to modify your browser settings to decline some or all non-necessary
cookies. We provide you choices to manage your privacy and selling/sharing in
the Cookies Settings section, also located in the footer of our website. Not
accepting cookies may make certain features of the site unavailable to you. If
you would like more information about cookies, you can
visit http://www.cookiecentral.com/n_cookie_faq.htm.
6. ADVERTISING (COOKIE-BASED) OPT-OUT REQUESTS
You have the choice to opt out of TransUnion’s marketing email communications at
any time by using the opt-out provision at the bottom of every TransUnion email.
Additionally, if you prefer to opt out of receiving marketing messages, we
recommend that you visit the Association of National Advertisers (ANA) and
register on their consumer web site: https://dmachoice.thedma.org/. In addition,
you may choose to opt out of digital advertising through the NAI’s Consumer
Opt-Out Program, DAA’s Consumer Choice Page, or the European Union/European
Economic Area (EU/EEA) Opt-Out. By clicking on the “Opt-Out” links below, you
will be directed to the respective third-party website where your computer will
be scanned to determine who maintains cookies on you. At that time, you can
either choose to opt out of the cookie-based targeted advertising or you can
choose to opt out of cookie-based targeted advertising by selecting individual
companies who maintain a cookie on your machine.
* Association of National Advertisers opt-out registration
* Network Advertising Initiative (NAI) Opt-Out
* Digital Advertising Alliance (DAA) Opt-Out
* European Union (EU) /European Economic Area (EEA) Opt-Out
Please note that if you delete your cookies or you visit this site using a
different device or browser, you will need to repeat the opt-out process
outlined above.
7. LINKS TO OTHER SITES OR SERVICES
This Notice does not apply to other third-party sites or services. If you click
on a link or browse to a third-party site from our site/service, your activity
and interaction is subject to that third party's rules and policies. We
recommend that you review the online privacy statements on these other sites to
understand their privacy practices and treatment of personal information so that
you can make an informed decision regarding your use or interaction with their
site/service.
8. RIGHTS UNDER THE FAIR CREDIT REPORTING ACT (FCRA)
TransUnion’s credit database
We limit access to TransUnion’s consumer credit database and make it available
to only the following:
* entities with a permissible purpose to receive it, as defined in the FCRA;
* entities with a permitted use under Title V of the Gramm-Leach-Bliley Act;
* companies who resell our data as permitted under law; and
* companies who process data on our behalf.
Access to information in this database not subject to the FCRA may be provided
to companies and other entities for research and other purposes.
Under the FCRA, we may provide information to companies that provide you with
pre-approved offers of credit or insurance. If you prefer not to receive such
offers, you may opt-out by calling 1-888-5OPTOUT or
visiting https://www.optoutprescreen.com.
Right to access your information
You may order your TransUnion Personal Credit Report online. For more
information regarding your rights under the FCRA, please visit the Summary of
FCRA Rights.
Right to change inaccurate or incomplete information
If you believe that there is an error on your credit report, you may file a
dispute here.
Child Identity Theft
We collect, from a child’s parent or guardian, personal information of children
to enable a search of our database for any potential activity (i.e., request for
a credit report, reporting of data using the child’s personal information,
dispute submission, etc.). If you are a parent or guardian and want to check if
your child may be a victim of identity theft, please visit our Child Identity
Theft Inquiry page.
Freeze a child’s report (child 15 years or younger)
We allow a parent or guardian to freeze the credit report of a child aged
fifteen (15) years or younger. Visit our Protected Consumer Freeze page to learn
more.
9. SECURING PERSONAL INFORMATION
We maintain a comprehensive Information Security Program with administrative
(policies, standards, and processes), physical, and technical controls designed
to protect the confidentiality, integrity, and accessibility of your personal
information.
10. RETAINING PERSONAL INFORMATION
We retain your personal information for as long as reasonably necessary to
fulfill the purposes for which it was collected or processed, as described in
this Notice. For instance, we retain your personal information, collected
through our services and websites, for as long as your account is active or as
needed to provide services to you and our customers. When determining retention
periods, we consider our relationship with you and your information, the nature
and sensitivity of the information, and what is reasonably necessary and
proportionate to provide and improve our services. We also adjust retention
periods to comply with our legal, reporting, or accounting obligations, to
resolve disputes, and to enforce our agreements. We regularly review our
retention periods and assess our data minimization practices, retaining the
least amount of information for the shortest retention period, while still
upholding all our obligations.
11. CONSUMER PRIVACY RIGHTS
In some instances, TransUnion offers its services to customers as a service
provider/processor or subject to other exceptions under the applicable state
privacy laws. Where TransUnion is acting as a service provider/processor, we are
processing data on behalf of others who will provide you applicable privacy
rights.
If you are a resident of California, Colorado, Connecticut, Utah, or Virginia,
you may take advantage of certain privacy rights, such as to request access,
correction, or deletion of your personal information. You also have the right to
appeal a denial of your privacy rights.
To make a verifiable consumer request for access, correction, or deletion
(subject to limitations and exceptions under applicable law), visit
our Consumer Privacy Rights page. If you have a TransUnion account, you can use
it to make your request. You can also make your request without setting up an
account by continuing as a guest. To do so, we will need your name, address,
email, phone number, date of birth, and either your full Social Security number
or the last four digits. Depending on the type of request, we may also need you
to answer knowledgebase questions regarding data associated with you and/or
provide a passcode sent to your phone number. We will use that information to
verify your identity so we can respond to your request.
Because we may “sell” or “share” personal information or engage in “profiling,”
“targeted advertising,” “cross-context behavioral advertising,” or use sensitive
personal information, consistent with the defined terms in applicable state
laws, you may also exercise your right to opt-out of such sales, sharing,
profiling/automated decision making, targeted advertising, or cross-context
behavioral advertising, and limit our use of your sensitive personal
information.
To make an opt-out request or to limit our use of your sensitive personal
information (subject to limitations and exceptions under applicable law), visit
our Opt-Out Request page or visit the following links: Do Not Sell or Share My
Personal Information and Limit the Use of My Sensitive Personal Information.
Right to know
You have the right to request a disclosure of the personal information
collected, sold, and shared about you and the purpose for doing so, unless such
request proves impossible or would involve disproportionate effort. Upon
submission of a verifiable consumer request, we will provide you with the
following information:
* The categories of personal information we collected about you;
* The categories of sources from which we collected your personal information;
* Our business or commercial purpose for collecting or selling/sharing the
personal information;
* The categories of third parties to whom we sold or disclosed personal
information; and
* The specific pieces of personal information we collected about you.
To make a verifiable consumer request to know, visit our Consumer Privacy
Rights page. If we provide this information to you electronically, the
information will be in a portable format. To the extent that it is technically
feasible, we will provide you the information in a readily useable format that
you can easily transfer to another entity.
Right to correct
You have the right to request that we correct inaccurate personal information
that we collect or maintain about you, subject to verification. To make a
verifiable consumer request to correct, visit our Consumer Privacy Rights page.
Right to delete
If we collected or maintain personal information about you, you have the right
to request the deletion of this personal information, unless an exception
applies under applicable law. To make a verifiable consumer request to delete,
visit our Consumer Privacy Rights page.
Right to be free from discrimination
You have the right to be free from discrimination for exercising any of your
consumer privacy rights. If you choose to exercise any of your rights, we will
not:
* Deny you goods or services;
* Charge you a different price or rate for goods or services, including through
granting discounts or other benefits, or imposing penalties;
* Provide you a different level or quality of good or services; or
* Suggest that you may receive a different price or rate for goods or services
or a different level or quality of goods or services.
Right to opt-out of the sale/sharing of personal information
You have the right to opt-out of the sale/sharing of your personal information
to third parties. To exercise your right to opt-out of the sale or sharing of
your personal information through trackers or cookies on our websites, please
visit the Cookies Settings section, also located in the footer of our website.
To opt-out of the sale or sharing of your personal information through
non-cookie and tracker based ways, visit our Do Not Sell or Share My Personal
Information page.
Right to opt-out of profiling/automated decision making, targeted advertising,
or cross-context behavioral advertising
You have the right to opt-out of our use of your personal information for
purposes of profiling, automated decision making, targeted advertising, or
cross-context behavioral advertising. To opt-out of these uses, visit
our Opt-Out Request page.
Right to limit the use of sensitive personal information
You have the right to limit how we use your sensitive personal information.
Depending on the applicable law, sensitive personal information may include:
Social Security number, driver’s license number, biometric information, precise
geolocation data, and racial and ethnic origin. To limit the use of your
sensitive personal information, visit our Limit the Use of My Sensitive Personal
Information page.
Right to appeal
If you believe we have denied any of your consumer privacy rights in error, you
have the right to appeal by replying to our denial message or any communication
from us.
12. AUTHORIZED AGENT
Using an authorized agent (with or without power of attorney) to submit an
opt-out request or a request to limit the use of a consumer’s sensitive personal
information: In order to submit an opt-out request or a request to limit on
behalf of another consumer, please provide written permission, signed by the
applicable consumer, authorizing the agent to submit the opt-out request. The
name of the agent submitting the request must match the name on the
authorization.
In order for us to locate the consumer’s record, please also include the
consumer’s first and last name (middle name optional) and their address
(including unit number, city, state, and zip code). You may also provide the
consumer’s Social Security number and date of birth. While those fields are
optional, this information makes it easier for TransUnion to locate the
consumer’s information and complete the request.
Documentation may be sent to the addresses listed below.
Using an authorized agent without power of attorney to submit a verifiable
privacy request for access, correction, or deletion of a consumer’s personal
information: In order to submit a verifiable request for access, correction, or
deletion on behalf of another consumer, an authorized agent without power of
attorney must provide one item from each of the two sections below.
1. Signed permission from the applicable consumer authorizing the agent to
submit the verifiable privacy request on their behalf, including a
description of the type of privacy request(s). The name of the agent
submitting the request must match the name of the authorization.
2. The applicable consumer must verify their own identity directly with the
business by submitting information or documentation that provides sufficient
proof of identification, such as:
a. a Social Security number or a copy of a Social Security card issued by
the Social Security Administration,
b. a certified or official copy of a birth certificate issued by the entity
authorized to issue the birth certificate, or
c. a copy of a driver's license or an identification card issued by the
motor vehicle administration or any other government issued
identification.
This secondary identification must include or reference the same name as stated
in the signed permission form. The submission must also include sufficient
information for TransUnion to locate the consumer’s file. More information can
be found on TransUnion’s Consumer Privacy Rights page by selecting the
appropriate consumer request option.
Documentation may be sent to the addresses listed below.
Using an authorized agent with power of attorney to submit a verifiable privacy
request for access, correction, or deletion of a consumer’s personal
information: In order to submit a verifiable request for access, correction, or
deletion on behalf of another consumer, an authorized agent with power of
attorney must provide the valid power of attorney executed under applicable law.
The submission must also include sufficient information for TransUnion to locate
the consumer’s file. More information can be found on TransUnion’s Consumer
Privacy Rights page by selecting the appropriate consumer request option.
Documentation may be sent to:
TransUnion LLC
PO Box 130
Woodlyn, PA 19094
You can also email the information to privacy@transunion.com
To protect the confidentiality of your data, you and/or your authorized agent
may choose to submit your data using confidentiality features offered by your
email provider.
All personal information provided as part of this process will be deleted after
verification has been completed.
13. PERSONAL INFORMATION OF CHILDREN
Our services are not intended for use by individuals under the age of eighteen
(18). If we learn that we have collected or received personal information from
individuals under the age of eighteen (18), we will delete the personal
information. We do not knowingly sell personal information of children under the
age of eighteen (18) years.
Parent or Guardian Privacy Opt-Out Request (child under 18 years)
If you believe we have collected personal information from individuals under the
age of eighteen (18), a parent or guardian may make a data privacy opt-out
request or limit our use of sensitive personal information (subject to
limitations and exceptions under applicable law) by visiting our Opt-Out
Request page or by visiting the following links: Do Not Sell or Share My
Personal Information and Limit the Use of My Sensitive Personal Information.
14. CONTACT INFORMATION
If you have questions or concerns regarding this Notice or the protection of
your personal information and privacy rights, you may contact us in the
following ways:
Email
privacy@transunion.com
Phone
1-866-310-8783
Postal Mail
TransUnion Data Privacy Request
P.O. Box 130
Woodlyn, PA 19094
15. NOTICE CHANGES AND EFFECTIVE DATE
This Notice is subject to change at any time. If we make any changes to this
Notice, we will post the revised Notice on this page with its effective date.
What You Need to Know:
The credit scores provided are based on the VantageScore® 3.0 model. Lenders use
a variety of credit scores and are likely to use a credit score different
from VantageScore® 3.0 to assess your creditworthiness.
Subscription price is $29.95 per month (plus tax where applicable). Cancel
anytime.
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