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What is a pre-authorisation?

A pre-authorisation is the practice within the payment card industry of temporarily reserving funds on a credit or debit card.

Why might TransUnion (formerly Callcredit) perform a pre-authorisation on my payment card?

TransUnion provide a wide range of identity and payment verification services to businesses. This allows banks, lenders, retailers and a wide range of other companies to protect both themselves and consumers against fraud. A pre-authorisation for a small amount may be used as part of these services to verify payment card details.

If you have recently provided your card details as part of an application or payment process, TransUnion may perform a pre-authorisation on behalf of the company as part of their fraud checks which may be shown temporarily on your card statement.

Funds are only temporarily reserved on your card and TransUnion will never take payment as part of this process.

What should I do if I haven't used my card details recently?

If a pre-authorisation has been performed on your card and you have not recently provided your card details, or given permission for another person to use your card details, as part of an application or payment process, it may be that your card has been compromised. If you suspect that your card details have been compromised, contact your card issuer immediately.

TransUnion offer a range of solutions to help consumers protect their identity and manage their finances. If you would like more information on these services, please visit (/consumer-solutions).

If you’re a consumer with questions or issues related to your personal credit report, drivers history report, disputes, fraud, identity theft, credit report freeze or credit monitoring services, please visit our Customer Support Center for assistance.

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TransUnion would like to send you original insight, commentary and research on data, software and analytics, early notifications of exclusive events and information about our products and services. If you would like to receive that information, please let us know using the following options:

For Sales enquiries please call (+44) 0113 868 2600

Alternatively, for all other enquiries please call us on (+44) 0113 388 4300

Please read our privacy notice , which explains who we are, how we collect and use your personal information and how you can exercise your privacy rights.

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