What happens to my credit report when I cancel my TransUnion account?

When you cancel your TransUnion account, your credit report remains intact. Cancelling your account does not have any impact on the information that is reported to or stored by TransUnion. Your credit report is an ongoing record of your credit history, which includes information on your borrowing and repayment activities. This information is collected from various sources such as banks, lenders, and creditors, and is updated regularly. The cancellation of your TransUnion account does not affect this process. It's important to note that even if you cancel your account, you can still access your credit report from TransUnion for free once a year at AnnualCreditReport.com, as mandated by federal law.