If you're having trouble accessing your credit score and report on NerdWallet, don't worry. This guide will help you understand the common reasons for these issues and provide steps to resolve them.

Common Issues and Solutions

• Identity Verification Block:
  • Issue: You've been blocked for 30 days from accessing your credit score.
  • Solution: Verify your information with TransUnion directly. Sometimes, outdated personal information (e.g., employer, address) can cause issues. Contact TransUnion to ensure your details are accurate.
    
    
• Excessive Linking Attempts:
  • Issue: You've been blocked for 30 days from accessing your credit score.
  • Solution: Too many attempts to link your credit score to NerdWallet or other websites triggers a 30 day block from linking TransUnion. Try again on day 31 from the web version of NerdWallet. NerdWallet employees cannot remove the block put in place by TransUnion.
    
    
• Thin File Issue:
  • Issue: You're getting a message that there's not enough data to generate your credit score.
  • Solution: Not all creditors report to all 3 credit bureaus (TransUnion, Equifax, and Experian). If TransUnion isn't receiving enough credit information about you to generate a score, you'll have to wait until you have more accounts reporting or more credit history (typically at least 6 months' worth) with TransUnion to have a score.
    
    
• Name and Address Mismatches:
  • Issue: Typos or name variations (e.g., "WILLIAM" vs. "WILLY") and frequent address changes can lead to errors.
  • Solution: Ensure that all personal information you provide matches exactly with what is on file with TransUnion. Also don't enter non-alphanumeric characters such as hyphens or periods in the address field, as this can also cause errors. Contact TransUnion if you are unsure of how your identity information appears in their system.
    
    
• APO Address Issues:
  • Issue: APO or military addresses are not currently supported by TransUnion.
  • Solution: Try entering your home address before you relocated to your current military base, to activate your TransUnion credit score. If that doesn't work, TransUnion should be able to advise you.
    
    
• Successful Verification on Other Sites:
  • Issue: You can access your credit score on other platforms like LendingTree but not on NerdWallet.
  • Solution: Confirm with TransUnion that your details are correct. Different services have different processes for identity verification.
    
    
• Unable to Verify Identity:
  • Issue: You are unable to view your credit score on NerdWallet but can do so on other applications.
  • Solution: Contact TransUnion to verify and update your information. Ensure all personal data is correct and up-to-date.
    
    
• Blocked by Duplicate Account:
  • Issue: You are unable to view your credit score because it's already connected to another NerdWallet account.
  • Solution: Confirm that you're logging in to the correct account by viewing the email address on the settings page. Close any other NerdWallet accounts you may have.

Steps to Resolve Verification Issues

1. Contact TransUnion:
   • Visit the TransUnion customer support page: TransUnion Contact Us.
   • Confirm that your personal information is accurate and up-to-date.
     
     
2. Wait Out the Block Period:
   • If you have been blocked, wait for the 30-day period to pass before attempting to reconnect.
   • Unfortunately, this block is enforced by TransUnion and cannot be overridden by NerdWallet or NerdWallet support agents.
     
     
3. Re-attempt Connection (just once!):
   • After ensuring all your information is accurate, try reconnecting to your credit score on NerdWallet. Note that excessive attempts can result in a 30-day block, so if you encounter the same error again, please reach out to TransUnion directly for assistance.
     
     
4. Please note that the NerdWallet Support Team cannot remove a 30-day block by TransUnion or change TransUnion's decision about identity verification. You will need to reach out directly to TransUnion as detailed in this article.