TotallyMoney work with TransUnion, one of the main credit reference agencies in the UK, to provide our customers with their credit report.
TransUnion match the information you submitted to TotallyMoney with the information they hold and, if found, return a series of authentication questions which need to be answered to access your report.
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 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. When we receive new information, we will attempt to retrieve your credit report again for you.
Please note, we will only be able to try and retrieve your credit report if you change your Date of Birth, Name or Address. Therefore, if you have provided us with new information and your lenders or the public bodies update their information to match, this would not generate a new search.
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 obtain it online.
Failed / Blocked
Once TransUnion have located your credit report, they will provide a series of authentication questions which will need to be answered correctly before you can view your credit report information.
Customers have a limited number of attempts to pass this authentication. If you have failed the authentication, it may help if you request your statutory report from TransUnion (here) before reattempting the authentication stage. You can then check the information that TransUnion hold on you.
If the authentication is failed more than once, TransUnion may block your account. If this happens, you would no longer be able to receive your credit report via our services.