Why Can't I Log Into My TransUnion Account?

If you've tried resetting your password and still can't get into TransUnion, run this four‑step checklist before digging deeper.

1. Verify your credentials. Type your username exactly as it appears, watch for extra spaces, and ensure the password matches the latest reset email. A common typo is mistaking the letter 'l' for the number '1'.
2. Check browser basics. Clear cookies and cache, then reload the login page. If you use a VPN, disable it; some TransUnion servers block VPN traffic.
3. Confirm account status. After three failed attempts, TransUnion temporarily locks the account. Wait five minutes, then try again, or use the 'Unlock account' link described in the next section.
4. Perform a quick identity test. Enter your Social Security number, full name, and mailing address exactly as on file. A mismatch triggers the 'identity verification' error that leads to the troubleshooting steps in section 6.

Proceed to 'make sure you're on the right TransUnion site' to rule out phishing domains.

Reset your password and retrieve your username directly from the TransUnion login portal.

• Visit the TransUnion login page and click Forgot password?
• Enter the email address or mobile number linked to your account.
• Open the reset link sent to your inbox or SMS; it expires after 24 hours.
• Choose a new password that includes at least 8 characters, a mix of letters, numbers and a symbol.
• On the same screen, select Forgot username?, provide the same email or the last four digits of your SSN, and wait for the username email.
• If you cannot receive the email or text, call TransUnion support, have your full name, SSN and a government‑issued ID ready for identity verification.

With a fresh password and your username in hand, try logging in again; if access still fails, the next section explains how to confirm you're on the correct TransUnion site.

Use the exact URL TransUnion official website, click the Login button in the top‑right corner, and confirm the address bar reads 'transunion.com/login' with a lock icon; avoid .net, .org, or misspelled domains that host phishing pages, never follow unsolicited email links, and type the address manually or bookmark the genuine page

- if you prefer the app, download the official 'TransUnion' app from the Apple App Store or Google Play to guarantee you're not using a clone.

If you can't log into your TransUnion account, clearing your browser cache, disabling any VPN, and switching to a different browser or app often resolves the issue.

Clear cache

• Open the browser's Settings or Preferences menu.
• Navigate to Privacy, Security, or History section.
• Select 'Clear browsing data' (or similar).
• Check only 'Cached images and files' (you may also clear cookies if login still fails).
• Choose 'All time' as the time range.
• Confirm the deletion and close the settings window.
• Restart the browser and attempt to log in again.

Disable VPN

Many VPN services mask your IP address, which can trigger TransUnion's security filters and block login attempts. When the system cannot verify your location, it may treat the request as suspicious and deny access.

Turn off the VPN in the client app or device network settings, then reconnect using your regular internet connection. If you're on a corporate VPN, try a personal Wi‑Fi network or cellular data. After disabling, reload the TransUnion login page and try again.

Try another browser or app

Certain browsers handle TransUnion's login scripts differently; switching can eliminate hidden compatibility glitches.

• Use the latest version of Chrome, Firefox, Edge, or Safari.
• Enable cookies and allow pop‑ups for transunion.com.
• If you prefer mobile, download the official TransUnion app from the App Store or Google Play and log in there.
• Clear any stored passwords for transunion.com in the new browser before entering credentials.
• Attempt the login; if it works, the original browser or app was the barrier.

Proceed to 'Unlock account after repeated failed logins' if the problem persists.

If your TransUnion account is locked after several failed logins, you can regain access by following these steps.

1. Allow the automatic lockout to expire - TransUnion typically blocks access for 15 - 30 minutes after multiple incorrect attempts. Waiting eliminates the temporary lock without further action.
2. Reset your password - Click the 'Forgot Password?' link on the login page, enter your registered email, and follow the reset instructions. This creates a fresh credential set and clears the lock flag.
3. Confirm your identity - During the reset, TransUnion will ask for personal details such as your Social Security Number, full name, and current address. Providing accurate information satisfies the identity verification check and re‑opens the account.
4. Contact TransUnion support if needed - If the lock remains after a password reset, call the help line or use the TransUnion support page. Have a government‑issued ID, your SSN, and recent billing information ready; the agent will manually unlock the account after confirming your identity.

Proceed to the next section on confirming SSN, name, and address for identity verification if you encounter any issues during step 3.

TransUnion checks three exact data points - your SSN, full legal name, and current address - to confirm identity verification before granting login access. Enter the nine‑digit SSN without dashes, spell your name exactly as it appears on your credit file (including middle initials if used), and type the street, city, state, and ZIP code that match the address on your most recent statement.

If any field differs, the system blocks account access and prompts you to correct the record. Update the information in your TransUnion profile or call support; after the correction, you'll move on to the next step of recovering access if the account was hacked. See the TransUnion identity verification help page for detailed instructions.

If your TransUnion account was hacked or flagged, regain access by completing the security verification flow and resetting your credentials.

TransUnion will ask for the last four digits of your SSN, your date of birth, and your current address to confirm identity; you may also need to upload a government‑issued photo ID. After verification, you can set a new password and remove any security hold.

Typical recovery steps

1. Go to the TransUnion login recovery page and select 'I think my account was compromised.'
2. Enter your email, the last four digits of your SSN, DOB, and address.
3. Follow the prompt to upload a clear photo of a driver's license or passport.
4. Check your email for a secure link, then create a strong, unique password.
5. Log in and review recent activity; if you see unauthorized actions, add a fraud alert or freeze via the account settings.

These actions restore account access while protecting your credit data.

Lift the freeze or satisfy the fraud‑alert requirements to restore login. With a credit freeze, TransUnion blocks identity verification because it cannot pull your file; use the TransUnion credit freeze portal to enter your PIN or password and lift the freeze temporarily, then retry the login flow described in the earlier 4‑step checklist.

If a fraud alert triggers the block, TransUnion asks for extra proof before granting access; upload a government‑issued ID and a recent utility bill, or call the support line referenced in the fraud‑alert details, and once the alert clears you can proceed to the next section on blocked access from payments or account suspension.

If TransUnion blocks your login because of an unpaid bill or a suspended account, clear the hold by confirming the payment status and updating any billing issues. A missed credit‑monitoring fee, an expired subscription, or a compliance‑related suspension will automatically deny account access until the financial matter is resolved.

Log into the billing portal, review outstanding invoices, and pay any past‑due amount using a valid credit or debit card. If the payment method is outdated, update the card information, then submit a fresh payment and wait the standard 24‑hour processing window before attempting to log in again. Should a subscription have lapsed, reactivate it through the 'Manage Plan' section and verify that the new term is active.

If the block persists after payment, gather recent transaction receipts and a copy of the billing statement, then contact TransUnion through the TransUnion customer support page and reference the suspension notice. Provide the documents they request, and they will lift the restriction or explain any additional steps needed for full account access.

You can remove Experian Boost in a few clicks if it hurts your credit. Sign into your Experian account, go to the Boost dashboard, toggle the feature off, and disconnect any linked bank accounts; the service stops adding new utility and subscription payments to your Experian score immediately.

After disabling, give up to 30 days for previously added data to drop from the model, then pull a fresh Experian report to confirm the change. If the boosted items remain, contact Experian support and request a manual delete; remember that only your Experian score is affected, so other bureau reports stay unchanged.

Upload the requested documents to TransUnion's secure portal to get help within one business day. Include a clear copy of your government‑issued ID, a recent utility bill or bank statement for address verification, and the email address you use for login.

• Gather a color‑scan or high‑resolution photo of your driver's license or passport, plus a utility bill, bank statement, or lease showing your name and current address.
• Log into the TransUnion contact page and select 'Upload Documents' under the 'Account Access' section.
• Attach the files, double‑check that the file names include your full name and a brief description (e.g., JohnDoe_ID.pdf), then submit the form.
• Note the reference number provided after submission; mention it if you call TransUnion's support line at 1‑800‑916‑8800.
• Monitor your email for a confirmation within 24 hours; if you don't hear back, reply to the confirmation email with the reference number for a quicker follow‑up.