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:
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Thin File
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. -
Not Found
If you have not been found by TransUnion, this does not necessarily mean you do not 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 have 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 will be unable to initiate a new search and you may need to close your account and re-register. -
Failed
If you have failed the authentication process then unfortunately we have been unable to provide you with your credit report. As per TransUnion policy, we are only able to provide customers with two attempts to access their credit file data, after which they will be unable to access their data through our service or receive a TotallyMoney credit report.