Trans Union Compliance With Fair Credit Reporting Act

linked from Compliance With Fair Credit Reporting Act

As per http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm, Trans Union is required to provide free credit disclosures upon request once a year.

This page evaluates whether Trans Union complies with the "spirit of the law" using the following basis:

If you go to their main web site at http://www.transunion.com/ and look for information on getting information about your credit, you should be made aware that a credit disclosure is available to you without charge before you are asked to provide payment information.

Item 1:

On the main page, the most conspicuous link promises "Best Value! Instant 3-in-1 Credit Report plus FREE credit score." Just to prove that you're not paying extra for the "FREE credit score", they provide a link where you can get your credit report without the FREE credit score for the same price.

grade: F

explanation: It is the "best value" right as in I get the most for my money.

Item 2

There's a section in the side bar labeled "other credit report options" which includes the following:

Under certain circumstances, you may be eligible for a copy of your personal credit report at no charge.

This provides a link to http://annualcreditreport.transunion.com/tu/disclosure/disclosure.jsp?loc=10000 where you will have to figure out what the "FACT ACT" is in order to determine that you can get your credit report for free.

An alternative link states:

If you do not qualify, you can purchase a copy of your personal credit report online.

which links to http://annualcreditreport.transunion.com/tu/disclosure/paidOrder.jsp?loc=10001

This grade: C

explanation: Intentional obstacles.

Overall grade: D

explanation: They're trying to avoid providing the information as required by law.

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