Credit reference agencies carry out rigorous checks to make sure that your sensitive personal information isn’t being accessed by anyone fraudulently.
We understand that it can be frustrating if you're unable to see your credit file because of a failed verification process. Our team is here to support you and help you get back on track.
Here are a few common reasons why verification might fail and what you can do to get it sorted:
- Incorrect personal information: The verification process is in place to protect your credit file from fraudsters and make sure that only you have access to it. Verification will fail if the information you've given doesn't match what TransUnion have on file. Double-check your name, address history, and date of birth to make sure they're accurate.
- Outdated information: If your personal information has changed recently, it's possible that TransUnion's records haven't been updated. Your new information can take four to eight weeks to filter through from your financial account providers.
- No credit footprint: If you haven't taken out any loans or credit products, you may not have a credit footprint, also known as a "thin file".
- Technical issues: Technical difficulties can happen from time to time, and this may stop the verification process working successfully. If you believe this is the case, please try again later or reach out to us for help.
If you're still having trouble accessing your credit file, we'd recommend contacting TransUnion. You can get in touch with them at UKConsumer@transunion.com.