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FactorTrust

• ID: factortrust
• Category: specialty reporting — nonprime lending
• Jurisdictions: United States
• Review status: reviewed freeze guidance
• Last reviewed: 2026-08-17

Official sources

• Consumer freeze portal: https://lpconsumerportal.transunion.com/Consumer/CreditFreeze/Landing.aspx
• CFPB company list: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/

Supported goals

• freeze — restrict release of the FactorTrust consumer report when deletion is unavailable. It does not erase the file or freeze TransUnion’s nationwide credit report.

Channels and required capabilities

• Channel: TransUnion-hosted FactorTrust browser portal or current official alternative
• Harness capabilities: browser and filesystem; user handles sensitive fields and verification
• Destination: official FactorTrust consumer freeze portal

Minimum known fields

The live portal controls. Do not retain identifiers, documents, authentication answers, or recovery information.

Procedure

1. Explain FactorTrust’s nonprime-report scope and separate relationship to TransUnion.
2. Warn that lenders may be unable to access the report during legitimate applications.
3. Preview and approve the FactorTrust-specific action.
4. The user completes verification and submission; record minimal confirmation.

Manual checkpoints

• CAPTCHA, authentication, sensitive values, identity documents, and final submission are user-handled.

Evidence and status interpretation

A FactorTrust confirmation is not deletion and does not freeze TransUnion or another specialty report.

Limitations

• Access exceptions and product coverage are controlled by the current official notice.