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TransUnion Credit Lock Not Working?

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TransUnion Credit Lock Not Working?

Anyone having issues with this? I've tried locking my credt report all day, but the symbol keeps showing my report as unlocked.


8/1/2018 FICO Scores:

7/12/2019 FICO Scores:
Message 1 of 4
3 REPLIES 3
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New Contributor

Re: TransUnion Credit Lock Not Working?

In my experience that means you may have a split file.  I would suggest calling Transunion.  Explain the issue with your credit lock and tell them you suspect you may have a split file.  Most likely, the entry level representative will have no idea what you are talking about.  If that's the case, ask to speak to a supervisor or to be transfered to someone that deals with split files.

Message 2 of 4
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Established Contributor

Re: TransUnion Credit Lock Not Working?

I have the same problem: I cannot seem to lock my TU file.

 

What's a "split file"?!

 

Message 3 of 4
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New Contributor

Re: TransUnion Credit Lock Not Working?

It means you have more than one credit file with the same bureau.  A few of my family members have had this issue.  My best guess is because they have moved a lot and have many different addresses listed.  They've been able to take care of it over the phone, but have had to elevate the call to a supervisor each time.  Hope that helps.  Good luck.

Message 4 of 4
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