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Adding your Phone # to TransUnion credit report (by saint).
Why do I need to do this, you may be wondering?
Most banks/applications check your credit reports to make sure that your information matches and that you’re a real person, and that you’re the actual person applying and not a fraudster.
But, there is a way you can get past this credit report check. By adding a phone number you have access to onto your fullz’s credit report.
What will I need for this?
1. Fullz (MUST HAVE SSN, DOB, AND ADDRESS) MAYBE DLN (Driver License/ID #) as well IF asked for!
2. A phone number you have access to (preferably textnow or google voice, maybe even a rented non-voip) and an email that you can add onto the credit report.
3. Background knowledge on the fullz (TransUnion MAY ask you questions related to your credit history, job history or even individuals your fullz may be related to in order to verify your identity!)
If you have all of these, you are now ready to begin this process.
How do I go about this?
Start off by researching your fullz and info on the fullz so that you can answer TransUnions questions quickly (SSN, DOB, etc)
Once you have your info pulled up/memorized, you’re ready to do the harder part. Calling TransUnion to add your number to the credit report.
You can call TransUnion customer service at the number +1-800-916-8800
Once you call them, don’t shit your pants. Their verification is shitty so you don’t need to worry much about getting denied.
Once you start the call, there will be an automated system. That system will ask you for your SSN, DOB, and the numbers that your address starts with. Once you do that, and the system asks what you’re calling for, ignore that system. Try to speak to a representative by waiting or telling the system you want to speak to a representative.
Eventually, you will be connected to a TransUnion rep. This is where you have to get your shit together, or you lose this chance of being able to get past verification checks much easily in the future.
Once the TransUnion rep starts talking to you, tell them you want to add a number to your credit report. You may have to answer the same questions you did before with the automated system, as well as confirm your SSN. Answer those questions, confirm your information, then they should add your number to the credit report, easy peasy.
If they suspect you they WILL ask you questions about your credit history/past to verify your identity. This is why I told you to do research, incase this happens.
AFTER YOU DO ALL THIS, YOU SHOULD BE COMPLETED WITH THE PROCESS AND YOUR PHONE NUMBER SHOULD BE ON THE REPORT INSTANTLY OR WITHIN A FEW HOURS OR DAYS ON OTHER APPLICATIONS ENDS!
(MAYBE EVEN 2 WEEKS, SINCE BUREAUS USUALLY TAKE THAT LONG TO SYNC, SO BE PREPARED TO WAIT AND HAVE A NUMBER RENTED OUT LONG ENOUGH.)
Do NOT try this with Equifax or Experian. They will request identification documents and possibly proof of address.
YOU CAN ADD YOUR NUMBER TO EQUIFAX/EXPERIAN BY DOING HARD/SOFT PULLS! (Applying for CCs, etc.)
Use this information as you wish, and enjoy!
Why do I need to do this, you may be wondering?
Most banks/applications check your credit reports to make sure that your information matches and that you’re a real person, and that you’re the actual person applying and not a fraudster.
But, there is a way you can get past this credit report check. By adding a phone number you have access to onto your fullz’s credit report.
What will I need for this?
1. Fullz (MUST HAVE SSN, DOB, AND ADDRESS) MAYBE DLN (Driver License/ID #) as well IF asked for!
2. A phone number you have access to (preferably textnow or google voice, maybe even a rented non-voip) and an email that you can add onto the credit report.
3. Background knowledge on the fullz (TransUnion MAY ask you questions related to your credit history, job history or even individuals your fullz may be related to in order to verify your identity!)
If you have all of these, you are now ready to begin this process.
How do I go about this?
Start off by researching your fullz and info on the fullz so that you can answer TransUnions questions quickly (SSN, DOB, etc)
Once you have your info pulled up/memorized, you’re ready to do the harder part. Calling TransUnion to add your number to the credit report.
You can call TransUnion customer service at the number +1-800-916-8800
Once you call them, don’t shit your pants. Their verification is shitty so you don’t need to worry much about getting denied.
Once you start the call, there will be an automated system. That system will ask you for your SSN, DOB, and the numbers that your address starts with. Once you do that, and the system asks what you’re calling for, ignore that system. Try to speak to a representative by waiting or telling the system you want to speak to a representative.
Eventually, you will be connected to a TransUnion rep. This is where you have to get your shit together, or you lose this chance of being able to get past verification checks much easily in the future.
Once the TransUnion rep starts talking to you, tell them you want to add a number to your credit report. You may have to answer the same questions you did before with the automated system, as well as confirm your SSN. Answer those questions, confirm your information, then they should add your number to the credit report, easy peasy.
If they suspect you they WILL ask you questions about your credit history/past to verify your identity. This is why I told you to do research, incase this happens.
AFTER YOU DO ALL THIS, YOU SHOULD BE COMPLETED WITH THE PROCESS AND YOUR PHONE NUMBER SHOULD BE ON THE REPORT INSTANTLY OR WITHIN A FEW HOURS OR DAYS ON OTHER APPLICATIONS ENDS!
(MAYBE EVEN 2 WEEKS, SINCE BUREAUS USUALLY TAKE THAT LONG TO SYNC, SO BE PREPARED TO WAIT AND HAVE A NUMBER RENTED OUT LONG ENOUGH.)
Do NOT try this with Equifax or Experian. They will request identification documents and possibly proof of address.
YOU CAN ADD YOUR NUMBER TO EQUIFAX/EXPERIAN BY DOING HARD/SOFT PULLS! (Applying for CCs, etc.)
Use this information as you wish, and enjoy!
