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Credit Basics

What is the CreditView Dashboard?

CreditView provides you access to a dashboard that highlights your key credit information, such as your TransUnion credit score, score trending and national score comparison.

What is the credit score simulator?

The simulator shows you how your credit score could increase or decrease based on changes to your credit behavior. You can use this interactive tool to help predict the possible impact of various actions or events on your credit score.

The simulator does not guarantee that your actual score will reach the simulated score range, nor does it guarantee that you will be approved or rejected for credit by any financial institution; it just provides an approximate indication of your credit-worthiness. Change any or all of these variables to calculate an estimated change to your score.

How often can I view my CreditView Dashboard?

If you have a current subscription, it can be viewed online anytime.

How often is my score updated?

Please note the "Next update available" date on the CreditView Dashboard. This date will show you the next time your credit information will be updated.

Where does the score come from?

Your TransUnion credit score is generated by a mathematical formula using the data from your TransUnion credit report. Information used may include your bill pay history, amount of available credit, number and age of open accounts, and recent credit activity.

Does using CreditView Dashboard impact my credit score?

No, it will not impact your credit score.

How can I obtain a full copy of my credit report?

You have the right to obtain a copy of your Consumer Disclosure, free of charge by mail, in person, by phone or online. Please visit for further information.

What is the difference between my credit report and my consumer disclosure?

A Consumer Disclosure is a complete account of all the information on your credit report, as mandated by consumer reporting legislation. Unlike the version supplied to a business that purchases TransUnion services, which is referred to as a "business version", a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries, and your own inquiries. The Business Version is an abbreviated version of the Consumer Disclosure. This is the credit report that creditors do see. The Business Version does not contain account management inquiries, non credit-related inquiries, or your personal inquiries to obtain a copy of your credit report.

Who do I contact if I have questions on the credit information displayed in my CreditView Dashboard?

Our goal is to maintain accurate information on your TransUnion credit report. By law, TransUnion is obligated to verify the accuracy of the information on a credit report that you dispute. If you do not recognize information on your credit report, or believe an item may be inaccurate, you may request an investigation. Only inaccurate information may be removed; negative information that is accurate will stay on your credit report as long as the governing laws allow. Changes on your credit report that occur as the result of an investigation will be made on both your consumer disclosure and your credit report.

TransUnion provides this service to you free of charge, in accordance with applicable legislation. TransUnion will not provide any additional services or treat a consumer differently due to the fact that the consumer has retained and paid a credit repair company. Whether you launch a dispute yourself or through a credit repair company, the outcome of the investigation will be the same. Please also note that the activities of credit repair companies are regulated in some provinces. For more information, please visit Consumer Protection.

You can dispute your credit information or update personal information on our credit report in three ways:

New! Quick and easy online access allows you to view your credit file and dispute items you believe to be inaccurate.

What you need
Before attempting to submit a dispute online, please make sure you have all of the necessary information on hand:

  • Full name
  • Social Insurance Number (optional)
  • Date of birth
  • Current address
  • Previous address (if at current address less than two years)
  • Name of the disputed item (from your credit report)
  • Reason for your dispute (e.g., you have paid the account, etc.)

We're here to help
Our TransUnion representatives are available to assist you with the dispute process. If you recently applied for credit or received a copy of your TransUnion Credit Report and you believe there is an inaccuracy, simply call:

Our Consumer Relations Department is available to assist you .

What you need
Before you place your call, please make sure you have all of the necessary information on hand:

  • Full name
  • Social Insurance Number (optional) or major credit card number
  • Date of birth
  • Current address
  • Previous address (if at current address less than two years)
  • Company name of the disputed item (from your credit report)
  • Reason for your dispute (e.g., you have paid the account, etc.)

It's easy to dispute any inaccurate credit or personal information on your credit report. Simply follow these steps:

Download and complete form
Simply download and complete the Investigations form:
English Form
French Form
You will need Adobe® Acrobat® Reader® to print the Investigation form. You can download the free Adobe Acrobat Reader from the Adobe Web site.

Make sure you provide the following information:

  • Full name
  • Current address
  • Previous address (if less than two years at current address)
  • Date of birth
  • Social Insurance Number (optional)
  • Employment information (optional)
  • Telephone number (optional)
  • Name of the company you have a dispute with (from your credit report)
  • Account number, if known
  • Reason for your dispute (e.g., you have paid the account, etc.)
  • Documentation to support the amendment you have requested. If the amendments are to your personal information (e.g., name), please provide supporting identification documentation, such as change of name certificate, marriage certificate, etc.

Mail form and documentation

English speakers in all provinces except Quebec, please send the completed form and supporting documentation to:

TransUnion Consumer Relations Department
3115 Harvester Road, suite 201
Burlington ON L7N 3N8

English speakers in Quebec and French speakers in all Provinces, please send the completed form and supporting documentation to:

Centre de relations au consommateur
3115 Harvester Road, suite 201
Burlington ON L7N 3N8

Why are some of the words displayed or some of the identity questions not fully translated?

The information on your credit file appears in the language in which it was reported to TransUnion by your creditors.

How do I cancel CreditView Dashboard?

Click here to cancel your CreditView Dashboard service.

How do I learn more about your accessibility policy?

TransUnion is committed to meeting the needs of people with disabilities. If you seek additional information on Accessibility at TransUnion, click here.

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Logging In

What if I forgot my password or username?

On the Member Login page, use our "I forgot my username and password" link to access the automatic login process that is easy and secure. The process provides assistance to help you log in when you have forgotten your username and password. To ensure the security of your account, you will be asked to enter components of your account information as a method of identification. Once we validate that the information entered is accurate, you will be provided access to your account. When the process is complete, a privacy protection email will be sent to you.

How do I change my login information?

After you have logged in, click the link to your Profile at the top of the screen, then select the "My Settings" tab.

How do I choose a good password?

Creating a unique username and password is the first step in keeping your information safe. A unique password will ensure only you have access to your accounts. When creating a password, please consider the following tips:

  • Use special characters in addition to words and numbers.
  • Do not use personal information such as name, address, or date of birth.
  • Do not use common words or words spelled backwards.
  • Do not use sequential numbers or letters.
  • Do not use words easily found in the dictionary.

To create a secure password, you need to use characters other than lower case letters. Numbers and a mix of upper and lower case letters is a good rule of thumb. Your password must be at least eight characters, contain at least one number, and be different from your user name. Remember, the more letters your password has, the harder it will be for someone to guess it. And for added security, once you have created your password:

  • Never share your password with anyone
  • Never write your password down where others could find it.
  • Consider changing your password regularly, at least every 90 days, and do not use the same password repetitively.

To make your password easy to remember, use the first letter of every word in a short phrase. For example "You are the one for me" becomes Yat!4M.

What is a secret question and secret answer?

Your secret answer is your personal response to a secret question you choose from a list we provide. They will help you log in if you forget your username and password. For example, if you choose the question: "What city were you born in?", then your secret answer could be "Calgary." Make sure the answer is true and specific enough so it will help you reset your login.

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ID Verification

What is Identity Verification?

The Identity Verification process is an essential part of the CreditView Dashboard because it protects your privacy by ensuring that your credit information can only be viewed by YOU.

Identity Verification confirms your identity through a series of questions based on accounts and personal information contained in your credit report along with additional tools validating your access is coming from a secure device. Here's how it works:

  • We will present you with questions with a list of possible choices; in order to proceed, you must answer and click NEXT to continue.
  • You select the answer from a list of poassible choices and click NEXT to continue.
  • As you submit your answers, that information is compared with the information in your credit report.
  • You will answer as many questions as necessary to successfully confirm your identity.
  • If you have answered the questions correctly according to the information contained within your credit file, you will be provided with access to your online credit report file.
  • If you need to leave the site to look up some information, you can safely log off and come back later to continue your identity verification. You have three days from when you began the Identity Verification process.
  • If we have not been able to successfully verify your identity, you will be given instructions on how to continue.

Is the Identity Verification process really necessary?

The protection of your security and privacy are of utmost importance to us. Identity Verification is a powerful fraud protection tool because it asks questions that can only be answered by the person who is the subject of the credit file – without it, an unauthorized party could obtain your most private credit information.

I'm selecting the correct answer(s). Why won't Identity Verification confirm my identity?

Identity Verification uses specific information contained in your credit file, and sometimes this information has not been recently updated or the information is inaccurate. For example, you may have recently paid off a loan that has not yet been reported to the credit reporting agency. If you are unable to pass the Identity Verification step, please follow the instructions provided online.

What if Identity Verification asks for outdated information that I no longer have?

The system may ask for information about accounts that you may have closed within the past three years. It may be necessary to review our files or contact your previous creditors to request the information. If the system cannot verify your identity, feel free to contact the Customer Service Team – they will do their best to help confirm your identity. See the error page or email with their contact information.

What if I've tried everything, and Identity Verification still cannot confirm my identity?

Please contact the customer service team. See the error page or email with their contact information. Sometimes they are able to view additional details in the data that the online Identity Verification system cannot.

A Customer Service Team member will attempt to confirm your identity by asking you questions about your credit history. Once your identity has been confirmed, the representative will immediately make your credit report available for you to view online.

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Account Information

How do I update my mailing address or email address?

The "My Information" tab under My Account allows you to easily update your street address and email address. To get there, click the link to My Account at the top of the screen, then select the "My Information" tab.

Why would I need to change my mailing address or email address?

If you move or change your email address, you should update your information. Having your current information in the system allows us to deliver your alerts in a timely manner and notify you of any changes to your enrollment to the CreditView service.

Do you sell my information to companies who send me junk mail?

No. TransUnion Interactive does not sell your personal information to any third party for any reason.

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Accessibility at TransUnion

TransUnion Interactive, its business units and affiliates ("TransUnion") are committed to excellence in serving all customers including individuals with disabilities.

TransUnion welcomes your feedback regarding your accessibility experience. To share your thoughts about Accessibility at TransUnion, please use our Accessibility Standards for Customer Service Feedback Form:

Our feedback form is available online from the links above. You can either complete the form online or download, print, and after completing, send it by mail or fax to our Consumer Relations office (listed below).

Mail to: TransUnion Interactive
Consumer Relations
Attention: Canadian Site Accessibility Feedback
100 Cross Street, Suite 202
San Luis Obispo, CA 93401

Fax to: Same contact as "Mail to"
Fax: 855-468-1381

Email: [email protected]

Phone: 855-468-1380

The form allows you to include your contact details if you would like a response to your comments. If this option is selected on the form, TransUnion will use its best efforts to respond within 30 days of receipt.

View our policies regarding Accessibility at TransUnion:

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Feedback Form

Thank you for your feedback regarding your TransUnion accessibility experience. We will use our best efforts to repond to you within 30 days.

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Please specify the nature of your feedback

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Please use this section to share your feedback regarding your accessibility experience

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