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
TransUnion Interactive offers credit score tracking, instant credit locking, and dark web monitoring directly to consumers.
Descriptors include TRANSUNION* CREDIT LOCK, TRANSUNION INTERACTIVE, or TU*CREDITMONITOR, billing $29.95 per month.
Common reasons for this charge
- 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
- 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
Is a paid TransUnion Credit Lock the same as a credit freeze?
No. 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.
How long does a dispute investigation take?
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