The short answer
A charge labeled TRANSUNION* CREDIT LOCK represents a monthly credit monitoring and 1-Touch credit lock subscription from TransUnion Interactive, Inc.
Why it shows up like this
A credit card statement entry showing TRANSUNION* CREDIT LOCK corresponds to a monthly subscription fee for consumer credit monitoring, score tracking, and instant credit locking services provided by TransUnion Interactive, Inc. This descriptor reflects recurring payments for paid subscription products that allow users to freeze or unfreeze their credit reports via mobile apps. Note that while a formal credit freeze is mandated as free under federal law, this optional paid lock service provides added digital conveniences and monitoring features.
This charge most commonly appears because an active subscription plan automatically renewed at the conclusion of its monthly billing cycle. Consumers frequently enroll in credit monitoring after purchasing vehicle loans, mortgages, or dealing with identity theft protection needs. Introductory trial offers that converted into regular monthly fees also generate billing entries under this corporate descriptor.
To verify the transaction, log into your online consumer account on the official credit bureau website and inspect your membership settings to review active subscriptions and past payment receipts. If you wish to stop future renewals or cancel your membership, you can do so directly through your user profile or by contacting customer support.
Common reasons for this charge
Common billing triggers involve automatic monthly subscription renewals or expired promotional trials.
- An ongoing TransUnion Credit Monitoring or Credit Lock monthly membership renewed.
- A user activated the 1-Touch credit lock feature inside the mobile app.
- A trial subscription expired and converted to full monthly billing.
How to locate the invoice and cancel
Accessing your consumer dashboard online allows you to view billing history and manage your membership options.
- Sign in to TransUnion Go to transunion.com and log in to your consumer account.
- Go to Account Settings Select My Account > Membership Details.
- Cancel Plan Click Cancel Subscription or call TransUnion support at 1-800-493-2392.
Frequently Asked Questions
Reviewing frequent customer questions explains how credit locks differ from free federal credit freezes.
Is a paid TransUnion Credit Lock the same as a credit freeze?
A credit freeze is free by federal law under the Fair Credit Reporting Act. Credit Lock is an optional paid subscription service with instant app toggle.
Can I receive a refund from TransUnion Interactive?
Monthly subscription fees are non-refundable once billed for the active cycle.
Dispute Rights & Fraud Prevention
If you did not authorize this TransUnion charge, contact support and review your recent card transactions.
Dispute unauthorized charges with your credit card issuer under the Fair Credit Billing Act within 60 days.
How do I dispute a TransUnion charge?
Contact your card issuer to open a billing dispute and inform TransUnion customer service.
Federal law requires card issuers to complete credit dispute investigations within 90 days.
Independent reference — not affiliated with TransUnion Interactive, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- TransUnion Subscription Agreement https://www.transunion.com
- CFPB: Credit Freeze vs. Credit Lock Overview https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges