TotallyMoney works with TransUnion, one of the main credit reference agencies in the UK, to provide you with your credit report.
TransUnion matches the information you entered on TotallyMoney with the information they hold on you. If they can find your credit report, you’ll be prompted to either:
Enter a one-time passcode (this will be a 6 digit code) that will be sent via text message to your mobile number
Answer a series of identity questions (these will be about your finances)
You’ll need to complete one of these actions successfully to access your credit report.
If you’re eligible for both a one-time passcode and the identity questions, you’ll be asked to enter the one-time passcode first. If this doesn’t work, you’ll then answer the identity questions.
If you’re not eligible for a one-time passcode, don’t worry, you can still access your credit report by answering the identity questions. If you’re not eligible for these, you’ll be prompted to enter the one-time passcode sent to your mobile number.
If you have been unable to access your credit report, it could be as a result of the following:
ThinFile
This means that, although TransUnion have located your credit report, they do not hold enough information about you and have been unable to produce a full credit report.
Don’t worry, this just means that once you have built up some history, they will be able to create your credit report. You can find out more on how to build your credit history in our FAQ and guides.
Alternatively, if you would like to see what information TransUnion currently hold on you, you can also apply for your statutory report here.
Not Found
If you’ve not been found by TransUnion, this doesn’t necessarily mean you don’t have enough credit history or that you have poor credit history. This simply means that, with the details you have provided us, TransUnion have been unable to accurately match you to any information that they hold. You should check over the details you’ve provided us and make sure all of your financial accounts are up to date.
If you notice that any of your information in your account is incorrect, such as your Date of Birth, Name or Address, you can update this information in your account. Once updated, we'll attempt to get your credit report again for you.
It's important to note that we'll only be able to try and get your credit report if you change your Date of Birth, Name or Address.
If you provided us with new information that lenders and public bodies have not yet updated, this will not generate a new search when they update it.
Alternatively, if you’d like to see what information TransUnion holds on you, you can ask to have your statutory report posted to you or you can try to get it online.
Failed / Blocked
Once TransUnion has found your credit report, you'll need to enter a one-time passcode sent via text message to your mobile number, or answer some identity questions correctly before you can view your credit report information.
You have a limited number of attempts to do these actions.
If you’re not eligible for the identity questions, and have failed to enter the correct one-time passcode on multiple occasions, TransUnion may block you from accessing your credit report. This is to help prevent fraud and keep your data safe.
If you've failed to confirm your identity, it may help if you request your statutory report from TransUnion (here) before attempting to get your credit report again. You can then check the information that TransUnion holds on you.