When completing the authentication process for access to your credit report, you will have received one of the following in-product messages to indicate why you have not received access:
-
ThinFile
This means there is currently not enough credit history information held in your TransUnion file for us to produce a credit report. You can find out more about how to build your credit history in our guides.
If you need the information on your credit report, you can also apply for a statutory report from TransUnion to see what information they currently have here.
-
Failed
If you've failed the authentication process once, as per TransUnion policy, we’re only able to provide you with a limited number of attempts to access your credit file data. If you fail these attempts, you’ll be unable to access your data through our service or receive a TotallyMoney credit report.
It may help if you request your statutory report from TransUnion online before reattempting the authentication stage.
-
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, TransUnion have been unable to accurately match you to a credit file. Check over the details you’ve entered and make sure all financial accounts are up to date.
If you notice that your Date of Birth, Name or Address have been filled in incorrectly, you can update this information on your account and this will initiate a new search with TransUnion to locate your credit data.
Please note, a new search will only be initiated if you change your Date of Birth, Name or Address. Therefore, if you have since updated your information with public bodies or your financial accounts to match your current account information, we’ll be unable to initiate a new search and you may need to close your account and re-register.
There's no way to manually override the online verification process, but if you’d like to see the information TransUnion holds on you, you can ask to have your statutory report posted to you or you can try to obtain it online. For statutory reports sent by post, TransUnion may be able to accept other forms of verification so you may find it easier to get this report.