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Submission: On April 14 via api from US — Scanned from DE
Submission: On April 14 via api from US — Scanned from DE
Form analysis 2 forms found in the DOM
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<span class="header-search__additional-note"> SSN search not allowed </span>
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<div class="header-search__input-container">
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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
* Credit Protection
* Score Simulator
* FREE
FREE
* Free Annual Credit Report
* Freeze Credit Report
* Dispute Credit Report
* TransUnion Credit Report
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* TrueIdentity
BE IN THE KNOW WITH TRANSUNION®
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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
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* CREDIT MANAGEMENT
CREDIT MANAGEMENT
* Inquiries & Credit Disputes
* Dispute Credit Report
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CREDIT EDUCATION
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CREDIT TOOLS
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* Mortgage Calculator
* Amortization Calculator
* Simple Loan Calculator
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Your credit report is part of your unique financial story.
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* FREE
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* Free Annual Credit Report
* TransUnion Credit Report
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* Freeze Credit Report
* Fraud Alert
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* Consumer Support Services
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* OFFERS
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* INSIGHTS
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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
This notice was last modified on and has an effective date of March 22, 2023.
--------------------------------------------------------------------------------
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 Center, 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. It covers certain
consumer credit reporting and other regulatory activities, including use of the
Consumer Online Self Service, Digital Self Service, and TransUnion FactAct
website, as well as certain business solutions.
This Notice does not cover TransUnion Consumer Interactive, Marketing Solutions,
TransUnion Rental Screening Solutions (TURSS) TransUnion Risk and Alternative
Data Solutions (TRADS), iovation, Shareable, 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.
Visit our Consumer Privacy Rights page to exercise your privacy rights.
Notice at Collection: We collect personal information as detailed in this
Privacy 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.
View TransUnion's California Consumer Privacy Act (CCPA) Metrics.
INTRODUCTION
This Privacy Notice (“Notice”) provides information about how Trans Union LLC
(“We,” “Us,” “Our,”) handles personal information about you and describes the
rights you may have regarding your personal information. This Notice applies to
Trans Union LLC and its online and offline collection, use, sale, and disclosure
of personal information. It covers certain consumer credit reporting and other
regulatory activities, including use of the Consumer Online Self Service,
Digital Self Service, and TransUnion FactAct website, as well as certain
business solutions.
This Notice does not cover TransUnion Risk and Alternative Data Solutions,
TransUnion Interactive, Inc., TransUnion Rental Screening Solutions, Inc., Media
& Digital Marketing Solutions, 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.
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 raised 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* 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 California 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* To determine 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* 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
Including, but not limited to the following:
* 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 California 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
* TransUnion companies
* Utility providers
* Survey providers
Characteristics of protected classifications under California 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
* TransUnion companies
* Utility providers
* Survey 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
* TransUnion companies
* Utility providers
* Survey 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
* TransUnion companies
* Utility providers
* Survey 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
* TransUnion companies
* Utility providers
* Survey 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
* TransUnion companies
* Utility providers
* Survey 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
* TransUnion companies
* Utility providers
* Survey providers
4. 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 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.
5. 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 Fair
Credit Reporting Act (“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 not subject to the FCRA in this database 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.
6. ADVERTISING (COOKIE-BASED) OPT-OUT REQUESTS
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. SECURING PERSONAL INFORMATION
We maintain a comprehensive Information Security Program with administrative
(policies, standards, and processes), physical, and technical controls to help
ensure the security and confidentiality of your information.
9. PERSONAL INFORMATION OF CHILDREN
TransUnion’s services are not intended for use by individuals under the age of
sixteen (16). If we learn that we have collected or received personal
information from individuals under the age of sixteen (16), we will delete the
personal information.
Parent or Guardian Privacy Request (child 16 years or younger)
If you believe we have collected personal information from individuals under the
age of sixteen (16), a parent or guardian may make a data privacy inquiry or
request by submitting the following information:
One piece of documentation that includes both the name and birthdate of the
child and the name of the parent/guardian, providing ‘sufficient proof of
authority’ that you have authority to act on behalf of the child or dependent
such as:
* Court order
* Valid power of attorney
* Birth certificate
* Verification from applicable foster care authority
* Other official state or federal government record establishing parentage or
guardianship
One piece of information or documentation that includes or references the same
name as stated in the first document, providing ‘sufficient proof of
identification’ to verify your identity, such as:
* Social Security number
* Certified copy of protected child’s birth certificate
* Driver's license
All personal information provided as part of this process will be deleted after
verification has been completed.
Please send your letter and documentation to the following address:
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 may choose to submit your data
using confidentiality features offered by your email provider.
CHILD ID 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.
SALES
We do not knowingly sell personal information of children under the age of
eighteen (18) years.
10. RIGHTS UNDER THE FAIR CREDIT REPORTING ACT (FCRA)
Rights to access your information
You may order your TransUnion Personal Credit Report online at TransUnion.com.
However, when you provide information on our website, you should ensure that the
information is accurate.
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.
Opting-out of email communications
You have the choice to opt out of marketing email communications at any time by
using the opt-out provision at the bottom of every email.
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 the 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. 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 the 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. You have the right to
appeal a denial of your privacy rights.
To make an opt-out request or to limit our use of your sensitive personal
information, 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.
To make a verifiable consumer request or appeal, 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. To do so,
we’ll need your first and last name, address, date of birth, and the last four
digits of your Social Security number. We’ll use that information to verify your
identity so we can respond to your request.
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.
* 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 the
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 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.
Sensitive personal information includes, but is not limited to, Social Security
number, driver’s license number, biometric information, precise geolocation, 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, you have the
right to appeal by visiting our Consumer Privacy Rights page.
12. AUTHORIZED AGENT
Using an authorized agent to submit an opt-out request or a request to limit the
use of 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 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.
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 data 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 consumer privacy
request other than an opt-out request/request to limit. In order to submit a
request 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 consumer authorizing the agent to submit the
privacy request(s) 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 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. That information can
be found on TransUnion’s Consumer Privacy Rights page by clicking a link for the
appropriate consumer request.
Documentation may be sent to the addresses listed below.
Using an authorized agent with power of attorney to submit a consumer privacy
request other than an opt-out request/request to limit. In order to submit a
request on behalf of another consumer, an authorized agent with power of
attorney pursuant to California Probate Code sections 4000 to 4465, must provide
the valid power of attorney executed lawfully under California Probate Code
sections 4000 to 4465.
The submission must also include sufficient information for TransUnion to locate
the consumer’s file. That information can be found on TransUnion’s Consumer
Privacy Rights page by clicking a link for the appropriate consumer request.
Documentation may be sent to the addresses listed below.
Documentation Address
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 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. 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.
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:
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).
Information for Good®.
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