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Identity Restoration Services

Identity Restoration services are available from TransUnion Fraud Restoration Agents after you have established that you were a victim of Identity Theft.

Consumer Assistance & Credit File Review

A comprehensive review of your TransUnion credit report for inquiries and new accounts in the previous 12 months. This can help identify other instances of stolen identity or accounts that require action.

Identity Theft Toolkit

Useful resources and templates to help navigate the identity theft resolution process:

  • Consumer Disclosure (TransUnion Credit Report).  TransUnion agents will provide you with a free copy of you TransUnion Credit Report to look for suspicious activity
  • Fraud Directive. A one-page best practices document outlining ways to help prevent and recover from fraud.
  • ID Theft Affidavit. A form used to file a report with law
    enforcement and disputes with credit reporting agencies.
  • Authorization Form. A letter completed to be signed by you to authorize TransUnion to act as their agent in the event of identity fraud.
  • CRA Permission Form. Form letter for you to complete and sign to grant TransUnion permission to send applicable documentation directly to Experian and Equifax.

Initial Fraud Alert

TransUnion agents will assist you in setting a 90-day fraud alert on your TransUnion credit file. This includes TransUnion notifying the other credit bureaus to set fraud alerts on their credit files. This helps protect you against future accounts being opened with a stolen identity.

Fraud Notification Letters

Dispute letters to send to Experian & Equifax to alert them that you have experienced identity theft.

7-Year Extended Fraud Alert

Victims of identity theft may have the option to set a 7-year fraud alert to further protect their identities, depending upon individual circumstances (upon completed Toolkit receipt).

5-year Marketing Promotions Opt-Out

Agents will assist in removing you from marketing promotions for unsolicited offers of credit or insurance for 5 years, as allowed under the Fair Credit Reporting Act.