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. And not all buy now, pay later lenders report loans to agencies yet.
If you've recently opened an account, it 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 a while to see if the account's added.
Also, if there’s an account that was on your report last time you checked, that isn’t there now, it's worth looking in to.
If you've recently closed the account, 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’).
This doesn't help - what can I do?
If an account is truly missing, 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.
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.
You may also need to check your Experian and Equifax credit reports, and contact those credit reference agencies too, if accounts don't appear on those reports either.