Credit Score Basics > How to contact TransUnion

How to contact TransUnion

Wollit Team2 minute read · Updated 1st July 2024

TransUnion is one of the leading credit reference agencies in the UK, meaning it’s one of the three main companies that keeps track of people's credit history and calculates their credit score. The information in the credit reports that TransUnion and the other credit agencies put together is then used by banks and other lenders to decide if they should give you a loan or credit card.

Here is a guide on how to contact TransUnion if you need to.

How can I contact TransUnion?

There are a few different ways you can get in touch with TransUnion:

You can fill out a form on the TransUnion website with your question or issue. They will then respond to you.
You can also download a form from the TransUnion website, fill it out, and send it to them by post. Their address is: TransUnion Consumer Services Team, PO BOX 647, Unit 4, Hull, HU9 9QZ.

Why would I want to contact TransUnion?

There are a few main reasons why you might need to get in touch with TransUnion:

Fixing errors on your credit report: If you see something wrong on your credit report, you can contact TransUnion to get it fixed. This is important because your credit report affects your credit score, which is used by lenders to decide if they should give you credit.
Getting a paper copy of your statutory credit report.
Making a complaint: If you're unhappy with the service you've received from TransUnion, you can also contact them to make a complaint.
Raising a dispute: for example, if you spot signs of fraud, like an account opened in your name but without your knowledge.
Adding a Notice of Correction to your TransUnion credit report. This is a short note that you can add if you want to give an explanation for something on your report, you can submit a Notice of Correction. While it won't affect your TransUnion credit score, a Notice of Correction can help by giving lenders some context into why something negative is on your credit report. This is often the most common reason to contact TransUnion.

However, while disputing errors can sometimes improve your credit score by a small amount, and while adding a Notice of Correction can help increase your loan approval chances by giving lenders a bit more context, the most important thing you can do for your TransUnion credit report is to work on your credit score.

The good news is that now there are many apps that can help you build and improve credit. One such app is Wollit.

Wollit works by reporting a fixed-fee monthly subscription as a loan repayment to all credit reference agencies. This helps you build a history of timely debt repayments, which is the main factor that matters for your credit score.

In time, this will reduce the impact of an adverse event in your TransUnion credit file much more than a dispute or a Notice of Correction ever could.