It’s worth remembering that not all lenders share information with TransUnion, so not all your credit accounts will necessarily appear on your TransUnion Credit Report.
For example, some smaller lenders and credit unions may not report to all credit reference agencies, including TransUnion.
However, if there’s an account that was on your report last time you checked, that isn’t there now, it’s worth checking:
Reasons could include if the account was opened before 2006, as older accounts might lack reporting agreements, or if personal information such as your name or address associated with the account differs from what’s recorded in your TransUnion Credit Report.
Have you recently closed the account? If so, it’s likely to be in the ‘Closed Accounts’ tab (your TransUnion Credit Report in Credit Club defaults to show you 'Open Accounts' when you click to view ‘Credit Accounts’.
If this doesn’t explain it, then you can contact TransUnion directly at its consumer enquiries page. You may need to go through additional steps to verify yourself with TransUnion and provide evidence of the missing account.
Before you get in touch with the lender or organisation, it’s worth being aware that new information can take between 4-6 weeks to appear on your TransUnion Credit Report, and in some cases, it may take up to 12 weeks. If you've recently opened the account, you may wish to wait until your report is next refreshed.
Ensure that your personal details such as name, address, and date of birth match perfectly between your lender and TransUnion. Discrepancies might prevent an account from appearing in your report.
If you have previously had information showing on your TransUnion Credit Report that unexpectedly no longer appears please contact us at creditclub@moneysavingexpert.com
Regularly reviewing your credit report and promptly updating your personal details with lenders can help you ensure accuracy. Additionally, if a missing account persists, it may be worth checking with other credit reference agencies like Experian or Equifax as well.